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
2022 268 76 77 115 10
2021 189 40 66 83 10
2020 186 41 67 78 5

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 CCR 2632.13(e)(3) An insurer shall comply with the reporting procedures when first reporting or modifying a principally at-fault accident to a loss 1
2022 Automobile CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2022 Automobile CCR 2695.3(a) File must contain all documents. 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(b)(1) Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2022 Automobile CCR 2695.8(f)(3) Reasonably adjust the claimant's estimate. 3
2022 Automobile CCR 2695.8(f) Standards for the preparation of auto repair estimates on partial losses. 2
2022 Homeowners CIC 14046(b) Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant 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
2022 Homeowners 1.95 .407 .26 .63
2022 Personal Auto 1.56 1.943 .67 .35

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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