Company Profile
Company Complaint Information

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Company Performance
In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year Closed Complaints
(TOTAL of Categories 1-3)
Category 1:
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Category 2:
Complaints found to be without Merit.
Category 3:
Complaints with Other Outcomes
Category 4:
Justified Complaints
2012 20 8 12 0 6
2011 32 11 18 3 6
2010 25 13 11 1 7

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated.

Year Line of Coverage Law Section Summarized Description of Law # of Alleged Violations
2012 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 1
2012 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2012 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2012 Fire CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2012 Homeowners CIC 790.034 Regulations; settlement of claims; insurer's duties 2
2012 Homeowners CCR 2695.4a Must disclose all benefits, time limits & possible applicable provisions to 1st party claimants. 1
2012 Homeowners CCR 2695.5e2 Must supply forms, instructions & assistance within 15 calendar days of claim notification. 1
2012 Liability CIC 481.5d Unearned premium that the insurer fails to tender shall bear interest at the rate of 10% per annum 1
2012 Liability CIC 481.5i Insurer shall provide clear and consise accounting of refund when requested 1
2012 Liability CIC 678.a2 Requirements for nonrenewal notices for property policy 1
2012 Liability CCR 2694a5 Failed to respond or did not provide a complete response 1
2012 Liability CIC 678.a1 Requirements for renewal offer of property policy 1

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year Line of Coverage JustifiedComplaint Ratio Market Share Complaint Share Index
2012 Personal Auto 66.90 .012 .26 21.67
2012 Commercial Auto .00 .108 .00 .00
2012 Homeowners 2.38 1.236 .69 .56

If complaint data does not appear for this company, this link will provide you with an explanation.


Last Revised - December 03, 2007 11:57 AM
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