|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.|
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
|Year||Line of Coverage||Law||Section||Summarized Description of Law||# of Alleged Violations|
|2018||Homeowners||CIC||675.1a||Adjustment to limits after a total loss, during reconstruction||2|
|2018||Homeowners||CIC||10102(b)||Residential property disclosure form shall indicate which coverages have abeen selected or purchased||2|
|2018||Homeowners||CIC||678(a)||An insurer shall deliver to the named insured an offer to renew or notice of non-renewal at least 45 days prior to expiration||1|
|2018||Homeowners||CCR||2360.0b||Bears no reasonable relationship to risk of loss||1|
|2018||Homeowners||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||7|
|2018||Homeowners||CCR||2694a5||Failed to respond or did not provide a complete response||1|
|2018||Homeowners||CIC||880||Failure of insurer to use own name||1|
|2018||Homeowners||CCR||2695.183(g)(1)||HO company must provide insured with copy of replacement cost estimate||8|
|2018||Homeowners||CCR||2694a4||In contravention of or inconsistent with policy/contracts||1|
|2018||Homeowners||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||11|
|2018||Homeowners||CCR||2695.183(a)||Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate.||1|
|2018||Homeowners||CCR||2695.7b1||Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.||1|
|2018||Homeowners||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||2|
|2018||Homeowners||CIC||791.10e||Adverse underwriting decision; specific reason or reasons shall be provided in writing at the time of the decision||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
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|
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