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
2023	116	36	32	48	5
2022	116	33	28	55	11
2021	183	47	77	59	35

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
2023	Automobile	CCR	2694a5	Failed to respond or did not provide a complete response	1
2023	Automobile	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	1
2023	Automobile	CCR	2695.8(e)(4)	Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time.	1
2023	Automobile	CCR	2695.7(b)(3)	Must notify claimant that claim denial can be reviewed by the California Department of Insurance.	1
2023	Automobile	CCR	2695.8(f)	Standards for the preparation of auto repair estimates on partial losses.	1
2023	Automobile	CCR	2695.8(f)(3)	Reasonably adjust the claimant's estimate.	1
2023	Automobile	CCR	2695.8(c)	Reopen file if notified within 35 calendar days that ACV too low to purchase comparable car.	1
2023	Automobile	CIC	758c	Reporting auto labor rate surveys to the California Department of Insurance	1
2023	Automobile	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	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
2023	Personal Auto	1.70	.983	.46	.47

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