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|
|2015||Automobile||CCR||2695.4a||Must disclose all benefits, time limits & possible applicable provisions to 1st party claimants.||1|
|2015||Automobile||CCR||2695.7d||Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.||1|
|2015||Automobile||CCR||2695.7b||Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.||1|
|2015||Automobile||CIC||11580.011||Coverage for replacement of child passenger restraint system; insurer obligation||2|
|2015||Automobile||CIC||758.6||Insurer capping of paint materials by using unaccepted methods to calculate settlement amount is prohibited||1|
|2015||Automobile||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||1|
|2015||Automobile||CCR||2695.5b||Must provide complete response to claimant inquiries within 15 calendar days.||1|
|2015||Automobile||CCR||2694a5||Failed to respond or did not provide a complete response||1|
|2015||Automobile||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||1|
|2015||Fire||CIC||481.5b||Other than personal lines - Failure to return premium in a timely manner||1|
|2015||Homeowners||CCR||2695.9f1||No depreciation on labor and Insurer required to pay repairs, rebuilding or replacement with like kind and quality based on ACV.||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.