|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|
|2018||Homeowners||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|
|2018||Homeowners||CIC||2051.b2||Depreciation must account for condition and can only apply to components subject to replacement||1|
|2018||Homeowners||CCR||2694a5||Failed to respond or did not provide a complete response||5|
|2018||Homeowners||CIC||790.03h3||Failing to adopt & implement standards for the prompt investigation & processing of claims||1|
|2018||Homeowners||CIC||880||Failure of insurer to use own name||3|
|2018||Homeowners||CCR||2695.183(g)(1)||HO company must provide insured with copy of replacement cost estimate||1|
|2018||Homeowners||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||16|
|2018||Homeowners||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||1|
|2018||Homeowners||CCR||2695.7d||Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.||1|
|2018||Homeowners||CIC||790.03a||Misrepresenting terms of a policy||1|
|2018||Homeowners||CCR||2695.7b3||Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.||1|
|2018||Homeowners||CIC||481.5a||Personal Lines - Failure to return premium in a timely manner||2|
|2018||Homeowners||CCR||2695.9d||Settlement based on written scope and/or estimate prepared by or for the insurer - Standards.||1|
|2018||Homeowners||CIC||481.5d||Unearned premium that the insurer fails to tender shall bear interest at the rate of 10% per annum||1|
|2018||Homeowners||CIC||678(a)||An insurer shall deliver to the named insured an offer to renew or notice of non-renewal at least 45 days prior to expiration||8|
|2018||Misc Lines||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||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
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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