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|
|2014||Automobile||CCR||2695.85||Auto Body Repair Consumer Bill of Rights - Standards.||1|
|2014||Automobile||CIC||1861.03c||Non-valid cancellation/nonrenewal for auto||1|
|2014||Automobile||CIC||790.03h5||Not attempting to effectuate prompt, fair, & equitable settlement when liability clear.||2|
|2014||Automobile||CCR||2695.5b||Must provide complete response to claimant inquiries within 15 calendar days.||6|
|2014||Automobile||CCR||2695.8f||Standards for the preparation and reasonable adjustment of auto repair estimates on partial losses.||1|
|2014||Automobile||CCR||2695.3a||File must contain all documents.||2|
|2014||Automobile||CIC||1861.05a||Excessive, inadequate, unfairly discriminatory rates||1|
|2014||Automobile||CCR||2695.5e2||Must supply forms, instructions & assistance within 15 calendar days of claim notification.||2|
|2014||Automobile||CCR||2694a5||Failed to respond or did not provide a complete response||1|
|2014||Automobile||CIC||790.03h1||Misrepresenting facts or policy provisions.||2|
|2014||Automobile||CIC||11580.011||Coverage for replacement of child passenger restraint system; insurer obligation||1|
|2014||Automobile||CCR||2694a3||In contravention of own rules, policies, procedures, guidelines||5|
|2014||Automobile||CCR||2695.8k||Insurer must pay reasonable towing and storage charges and provide reasonable notice before terminating storage charge payment.||1|
|2014||Automobile||CCR||2695.7f||Written notice before 60 days of expiration of statute of limitations on bodily injury claims.||2|
|2014||Automobile||CCR||2695.7g||Cannot attempt settlement with unreasonably low offers. See subsections 1-7.||2|
|2014||Automobile||CCR||2695.7b||Must accept/deny or provide written delay notice within 40 calendar days of proof of claim.||4|
|2014||Automobile||CIC||1872.4A||Insurer's belief of a fraudulent claim to be reported to Fraud Bureau within 60 days.||1|
|2014||Automobile||CIC||790.03h3||Failing to adopt & implement standards for the prompt investigation & processing of claims||2|
|2014||Automobile||CIC||481.5a||Personal Lines - Failure to return premium in a timely manner||1|
|2014||Automobile||CCR||2695.7h||Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations.||3|
|2014||Automobile||CCR||2695.7c1||Must notify in writing every 30 calendar days if more time is required to investigate claim.||10|
|2014||Automobile||CCR||2695.5a||Must respond to the California Department of Insurance within 21 calendar days.||4|
|2014||Automobile||CCR||2695.7d||Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.||6|
|2014||Automobile||CCR||2695.4a||Must disclose all benefits, time limits & possible applicable provisions to 1st party claimants.||1|
|2014||Automobile||CCR||2695.7b1||Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims.||2|
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.