Company Complaint Information

Company Profile



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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
2022	116	33	28	55	11
2021	183	47	77	59	35
2020	224	42	77	105	55

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
2022	Automobile	CIC	790.02	Engaging in trade practice defined as unfair method of competition prohibited	1
2022	Automobile	CCR	2695.8(f)	Standards for the preparation of auto repair estimates on partial losses.	1
2022	Automobile	CCR	2695.8(f)(3)	Reasonably adjust the claimant's estimate.	1
2022	Automobile	CIC	481.5a	Personal Lines - Failure to return premium in a timely manner	1
2022	Automobile	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	7
2022	Automobile	CCR	2695.7(b)	Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim.	2
2022	Automobile	CCR	2694a5	Failed to respond or did not provide a complete response	1
2022	Automobile	CIC	790.03h3	Failing to adopt & implement standards for the prompt investigation & processing of claims	2
2022	Automobile	CCR	2695.3(a)	File must contain all documents.	2
2022	Automobile	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2022	Automobile	CCR	2695.8(e)(4)	Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time.	1
2022	Automobile	CCR	2695.7(c)(1)	Must notify in writing every 30 calendar days if more time is required to investigate claim.	1
2022	Automobile	CCR	2695.5(b)	Must provide complete response to claimant inquiries within 15 calendar days.	3
2022	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2022	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	2
2022	Homeowners	CIC	790.03h5	Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.	1
2022	Homeowners	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	2
2022	Homeowners	CIC	675.1(b)(1)	Cancellation/nonrenewal prohibited for residential property insurance for one year from declaration of emergency in any zip code a	3

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
2022	Personal Auto	2.42	.976	.52	.53

If complaint data does not appear for this company, this link will provide you with an explanation.