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 |
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2022 | 800 | 381 | 166 | 253 | 51 |
2021 | 767 | 396 | 153 | 218 | 90 |
2020 | 687 | 314 | 142 | 231 | 43 |
Violation Study |
Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
---|---|---|---|---|---|
2022 | Misc Lines | CCR | 2695.1(g) | Commissioner access to records; power to examine; information reliability; confidentiality. | 2 |
2022 | Misc Lines | 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. | 3 |
2022 | Misc Lines | CCR | 2695.3(a) | File must contain all documents. | 13 |
2022 | Misc Lines | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 10 |
2022 | Misc Lines | CCR | 2695.7(d) | Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. | 8 |
2022 | Misc Lines | CIC | 790.03h1 | Misrepresenting facts or policy provisions. | 4 |
2022 | Misc Lines | CCR | 2695.5(e)(1) | Must acknowledge notice of claim within 15 calendar days unless payment is made. | 1 |
2022 | Misc Lines | CCR | 2695.7(b)(1) | Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. | 7 |
2022 | Misc Lines | CCR | 2695.4(a) | Must disclose all benefits, time limits and possible applicable provisions to 1st party claimants. | 2 |
2022 | Misc Lines | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 2 |
2022 | Misc Lines | CCR | 2695.7(h) | Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. | 2 |
2022 | Misc Lines | CCR | 2695.5(b) | Must provide complete response to claimant inquiries within 15 calendar days. | 3 |
2022 | Misc Lines | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 19 |
2022 | Misc Lines | CCR | 2695.5(e)(2) | Must supply forms, instructions and assistance within 15 calendar days of claim notification. | 1 |
2022 | Misc Lines | CIC | 790.03h5 | Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. | 1 |
2022 | Misc Lines | CCR | 2695.5(e)(3) | Upon receiving notice of claim, insurer must begin investigation immediately but in no event more than 15 calendar days later. | 1 |
2022 | Misc Lines | CIC | 790.03h3 | Failing to adopt & implement standards for the prompt investigation & processing of claims | 9 |
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 |
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If complaint data does not appear for this company, this link will provide you with an explanation.
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