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
2021 104 46 23 35 23
2020 61 26 18 17 13
2019 40 13 15 12 6

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
2021 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 1
2021 Automobile CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 1
2021 Automobile CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2021 Automobile CCR 2695.3a File must contain all documents. 1
2021 Automobile CIC 880 Failure of insurer to use own name 1
2021 Automobile CCR 2632.13(e)(2) Respond in writing to a request for reconsideration of principally at-fault determination within 30 days by an employee other than 1
2021 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2021 Automobile CCR 2632.13(e)(1) Provide written notice of investigation including any principally at-fault determination 1
2021 Automobile CCR 2695.7d Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2021 Automobile CCR 2695.5e2 Must supply forms, instructions & assistance within 15 calendar days of claim notification. 1
2021 Automobile CCR 2695.7b Must accept/deny or provide written delay notice within 40 calendar days of proof of claim. 1
2021 Automobile CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2021 Automobile CCR 2695.5e1 Must acknowledge notice of claim within 15 calendar days unless payment is made. 1
2021 Automobile CCR 2695.5e3 Must begin investigation within 15 calendar days of notification of claim. 1
2021 Automobile CCR 2695.4a Must disclose all benefits, time limits & possible applicable provisions to 1st party claimants. 1
2021 Automobile CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2021 Fire CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 1
2021 Fire CCR 2695.3a File must contain all documents. 2
2021 Fire CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2021 Fire CIC 880 Failure of insurer to use own name 3
2021 Fire CCR 2360.2 Eligibility guidelines 1
2021 Fire CCR 2695.5e2 Must supply forms, instructions & assistance within 15 calendar days of claim notification. 1
2021 Fire CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2021 Fire CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 2
2021 Homeowners CIC 678(a) An insurer shall deliver to the named insured an offer to renew at least 45 days in advance; or 45 days notice of nonrenewal until 3
2021 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2021 Homeowners CCR 2695.7d Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2021 Homeowners CIC 880 Failure of insurer to use own name 1
2021 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2021 Homeowners CCR 2695.3a File must contain all documents. 1
2021 Homeowners CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 2
2021 Homeowners CIC 678(b) 45 day extension if insurer fails to give offer of renewal; or 45 days extension for nonrenewal until July 1, 2020. 3
2021 Homeowners CCR 2695.7b Must accept/deny or provide written delay notice within 40 calendar days of proof of claim. 5
2021 Homeowners CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 1
2021 Homeowners CIC 678(e) A notice of nonrenewal for policies expiring on or after July 1, 2021, shall be accompanied by the information outlined in the st 1
2021 Homeowners CCR 2695.4a Must disclose all benefits, time limits & possible applicable provisions to 1st party claimants. 1
2021 Homeowners CIC 14046(b) Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant 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
2021 Homeowners 29.83 .344 2.34 6.80
2021 Workers Compensation .00 .398 .00 .00
2021 Commercial Auto .01 2.104 5.81 2.76
2021 Commercial Multi-Peril .01 2.179 11.32 5.20

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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