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 |
|---|---|---|---|---|---|
| 2022 | 79 | 34 | 18 | 27 | 11 |
| 2021 | 93 | 31 | 30 | 32 | 6 |
| 2020 | 116 | 41 | 37 | 38 | 6 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2022 | Automobile | CIC | 11580.011 | Coverage for replacement of child passenger restraint system; insurer obligation | 1 |
| 2022 | Automobile | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2022 | Automobile | CIC | 790.03h3 | Failing to adopt & implement standards for the prompt investigation & processing of claims | 3 |
| 2022 | Automobile | CCR | 2695.3(a) | File must contain all documents. | 1 |
| 2022 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 2 |
| 2022 | Automobile | CCR | 2695.8(f) | Standards for the preparation of auto repair estimates on partial losses. | 1 |
| 2022 | Automobile | 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 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 2 |
| 2022 | Automobile | CCR | 2695.8(f)(3) | Reasonably adjust the claimant's estimate. | 1 |
| 2022 | Automobile | CCR | 2695.8(c) | Reopen file if notified within 35 calendar days that ACV too low to purchase comparable car. | 1 |
| 2022 | Automobile | CCR | 2695.8(f)(2) | Insurer can refer to a repair shop only if requested by claimant. | 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 |
|---|---|---|---|---|---|
| 2022 | Commercial Auto | .08 | .244 | 1.16 | 4.76 |
| 2022 | Personal Auto | 6.47 | .521 | .75 | 1.43 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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