Company Complaint Information

Company Profile



,


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
2020	58	19	24	15	11
2019	13	3	6	4	0

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
2020	Fire	CCR	2695.7b	Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.	1
2020	Fire	CCR	2695.5b	Must provide complete response to claimant inquiries within 15 calendar days.	1
2020	Fire	CCR	2695.7c1	Must notify in writing every 30 calendar days if more time is required to investigate claim.	1
2020	Fire	CIC	14046(b)	Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant	2
2020	Fire	CIC	880	Failure of insurer to use own name	1
2020	Homeowners	CIC	481.5a	Personal Lines - Failure to return premium in a timely manner	1
2020	Homeowners	CIC	677	Cancellation notice requirements	1
2020	Homeowners		00	CALIFORNIA INSURANCE CODE	1
2020	Homeowners	CIC	10095.7(b)	An applicant who is denied, or policyholder who is cancelled or non-renewed, shall be provided with information regarding the depa	7

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
2020	Homeowners	11.22	.823	2.47	3.00

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