Company Complaint Information

  

FIRST NATIONAL INSURANCE COMPANY OF AMERICA
175 BERKELEY STREET
BOSTON, MA 02116

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
2012 25 8 13 4   4
2011 28 9 15 4   3
2010 26 7 16 3   3

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
2012 Homeowners CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 3
2012 Homeowners CIC 2071. California Standard form Fire Insurance policy 1
2012 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2012 Homeowners CIC 791.28 Residential Property; Insurer must disclose to insured that it reports claims info to claims info database. 1
2012 Homeowners CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2012 Homeowners CCR 2695.7g Cannot attempt settlement with unreasonably low offers. See subsections 1-7. 1
2012 Homeowners CIC 1879.2 Notice of penalty for fraudulent claims to appear on claim forms. 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
2012 Commercial Auto .00 .218 .00 .00
2012 Surety and Fidelity .00 .690 .00 .00
2012 Homeowners 3.90 1.006 .93 .92

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.


Last Revised - August 22, 2013 01:53 PM
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