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 170 48 74 48 33
2017 129 29 69 31 19
2016 79 26 35 18 10

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 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

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 Workers Compensation .00 .603 .00 .00
2018 Homeowners 11.53 2.382 7.64 3.21

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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