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
2018 108 36 44 28 17
2017 131 36 63 32 23
2016 142 47 73 22 17

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
2018 Automobile CCR 2632.13e1 Insurer shall provide written notice of fault determination 1
2018 Automobile CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2018 Automobile CCR 2632.13(e)(1) Provide written notice of investigation including any principally at-fault determination 3
2018 Automobile CCR 2632.5c1A Class plan rating factor -first mandatory factor - determined from the public record of traffic violation convictions from the DMV 1
2018 Automobile CCR 2632.5 Every auto insurer shall comply with the good driver discount requirements of CIC Section 1861.02. 1
2018 Automobile CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2018 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 8
2018 Automobile CCR 2694a5 Failed to respond or did not provide a complete response 1
2018 Automobile CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 5
2018 Automobile CCR 2632.13e1 Insurer shall make an investigation of the accident 1
2018 Automobile CIC 758c Reporting auto labor rate surveys to the California Department of Insurance 1
2018 Fire CIC 10095(h) Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan 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
2018 Homeowners 26.97 .033 .25 7.58
2018 Personal Auto 9.23 .603 1.24 2.06
2018 Workers Compensation .00 .651 .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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