Company Profile
Company Complaint Information

,  

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
2020 134 39 55 40 10
2019 144 29 47 68 18
2018 115 25 35 55 14

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
2020 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2020 Homeowners CIC 677 Cancellation notice requirements 1
2020 Homeowners CIC 10095.7(b) An applicant who is denied, or policyholder who is cancelled or non-renewed, shall be provided with information regarding the depa 1
2020 Homeowners CIC 678(a) An insurer shall deliver to the named insured an offer to renew at least 45 days in advance; or 45 days notice of nonrenewal until 1
2020 Homeowners CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 2
2020 Homeowners CCR 2695.7h Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2020 Homeowners CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 2
2020 Homeowners CCR 2695.3a File must contain all documents. 1
2020 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2020 Homeowners CCR 2695.7d Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2020 Homeowners CCR 2695.7b Must accept/deny or provide written delay notice within 40 calendar days of proof of claim. 1
2020 Homeowners CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2020 Homeowners CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2020 Liability CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 1
2020 Liability CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2020 Liability CCR 2360.2 Eligibility guidelines 1

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
2020 Commercial Multi-Peril .00 .000 2.94 .00
2020 Homeowners 3.86 1.740 1.80 1.03

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
Copyright © California Department of Insurance