Company Complaint Information
| , | |||
| 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 |
|---|---|---|---|---|---|
| 2022 | 151 | 27 | 106 | 18 | 10 |
| 2021 | 97 | 46 | 40 | 11 | 21 |
| 2020 | 58 | 19 | 24 | 15 | 11 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2022 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 4 |
| 2022 | Homeowners | CCR | 2695.7(b)(1) | Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. | 1 |
| 2022 | Homeowners | CCR | 2695.3(b)(3) | Must maintain claim files that are accessible, legible and capable of duplication to hard copy for current and preceding 4 years | 1 |
| 2022 | Homeowners | CIC | 675.1(b)(1) | Cancellation/nonrenewal prohibited for residential property insurance for one year from declaration of emergency in any zip code a | 2 |
| 2022 | Homeowners | CCR | 2360.2 | Eligibility guidelines | 1 |
| 2022 | Homeowners | CIC | 678(c)(1) | Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must c | 1 |
| 2022 | Homeowners | CIC | 880 | Failure of insurer to use own name | 1 |
| 2022 | Homeowners | CCR | 2695.3(a) | File must contain all documents. | 1 |
| 2022 | Homeowners | CCR | 2695.4(a) | Must disclose all benefits, time limits and possible applicable provisions to 1st party claimants. | 1 |
| 2022 | Homeowners | CCR | 2695.7(c)(1) | Must notify in writing every 30 calendar days if more time is required to investigate claim. | 1 |
| 2022 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 2 |
| 2022 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 2 |
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 |
|---|---|---|---|---|---|
| 2022 | Homeowners | 9.52 | .835 | 2.56 | 3.07 |
If complaint data does not appear for this company, this link will provide you with an explanation.
Copyright © California Department of Insurance
