|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.|
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
|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
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|
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