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
2019 92 20 44 28 13
2018 108 36 44 28 17
2017 131 36 63 32 23

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
2019 Automobile CIC 1861.02a Auto insurance rates and premiums shall be determined by the application of the following factors in decreasing order of importanc 1
2019 Automobile CCR 2632.5 Every auto insurer shall comply with the good driver discount requirements of CIC Section 1861.02. 1
2019 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 3
2019 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 2
2019 Automobile CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2019 Automobile CCR 2694a4 In contravention of or inconsistent with policy/contracts 1
2019 Automobile CCR 2695.8f3 Reasonably adjust the claimant's estimate. 1
2019 Automobile CIC 1857 Maintenance of records 1
2019 Automobile CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 3
2019 Automobile CCR 2695.7h Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2019 Automobile CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 2
2019 Automobile CCR 2632.13(e)(1) Provide written notice of investigation including any principally at-fault determination 2
2019 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 5

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
2019 Personal Auto 8.21 .545 1.07 1.96
2019 Workers Compensation .00 .581 .00 .00

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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