Company Complaint Information
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.
(TOTAL of Categories 1-3)
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Complaints found to be without Merit.
Complaints with Other Outcomes
Violation StudyThe 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|
|2017||Automobile||CIC||1861.05||Approval of insurance rates||1|
|2017||Automobile||CIC||11580.011||Coverage for replacement of child passenger restraint system; insurer obligation||2|
|2017||Automobile||CCR||2695.7f||Written notice before 60 days of expiration of statute of limitations on bodily injury claims.||1|
|2017||Automobile||CIC||661||Valid notice of cancellation||1|
|2017||Automobile||CCR||2632.19b1||Substantial increase in hazard, 30 day request requirement for information||3|
|2017||Automobile||CCR||2695.8f||Standards for the preparation and reasonable adjustment of auto repair estimates on partial losses.||3|
|2017||Automobile||CIC||679.5||Proof of mailing property insurance||1|
|2017||Automobile||CIC||790.03b||Prohibited acts-untrue, deceptive, misleading statements||1|
|2017||Automobile||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||3|
|2017||Automobile||CCR||2695.5b||Must provide complete response to claimant inquiries within 15 calendar days.||1|
|2017||Automobile||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||1|
|2017||Automobile||CCR||2695.7b3||Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.||2|
|2017||Automobile||CCR||2695.8e4||Must inspect vehicle timely||1|
|2017||Automobile||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||7|
|2017||Automobile||CCR||2694a5||Failed to respond or did not provide a complete response||2|
|2017||Automobile||CIC||790.03h3||Failing to adopt & implement standards for the prompt investigation & processing of claims||1|
|2017||Automobile||CCR||2632.12a||Good Driver Discount - 20% less than lowest rate||1|
|2017||Automobile||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||14|
|2017||Automobile||CIC||1861.02b||Insurer shall not refuse a good driver policy to individual who qualifies||1|
|2017||Automobile||CCR||2632.13e1||Insurer shall provide written notice of fault determination||1|
|2017||Automobile||CIC||662.a||Mailing or delivery of notice of cancellation||1|
|2017||Automobile||CCR||2695.8b||Must apply standards when evaluating auto total loss claims-see Regulations.||1|
|2017||Automobile||CCR||2695.7b1||Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.||2|
|2017||Fire||CIC||678.a1||Requirements for renewal offer of property policy||1|
|2017||Fire||CCR||2695.7b3||Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.||2|
|2017||Fire||CCR||2695.5b||Must provide complete response to claimant inquiries within 15 calendar days.||1|
|2017||Fire||CCR||2694a5||Failed to respond or did not provide a complete response||1|
|2017||Homeowners||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||1|
|2017||Homeowners||CIC||1857||Maintenance of records||1|
|2017||Homeowners||CIC||679.5||Proof of mailing property insurance||1|
|2017||Homeowners||CIC||481.5d||Unearned premium that the insurer fails to tender shall bear interest at the rate of 10% per annum||1|
|2017||Homeowners||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||3|
|2017||Liability||CIC||676.2||Cancellation of commercial policies||1|
|2017||Liability||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||1|
|2017||Misc Lines||CIC||11753.1(b)||Insurer must notify employer of a change in classification that results in increased premium||1|
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|
If complaint data does not appear for this company, this link will provide you with an explanation.
For calendar year 2006, the Department's Consumer Services Division had received 276,419 consumer telephone calls, handled 33,054 written cases, and recovered $31,526,079 for consumers and policyholders.