Difference between revisions of "Insurance, California Department of"

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Revision as of 22:55, 11 March 2011



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Overseeing the insurance industry and protecting the state's insurance consumers is the responsibility of the California Department of Insurance (CDI). The CDI regulates, investigates and audits insurance business to ensure that companies remain solvent and meet their obligations to insurance policyholders.

As administrator, the Insurance Commissioner enforces the laws of the California Insurance Code and promulgates regulations to implement these laws. The Commissioner issues certificates of authority to insurance and title companies seeking admittance into the California market; and licenses agents, brokers, solicitors and bail bonds agents domiciled in the state.

CDI's statewide toll-free hotline, serves as an information clearinghouse for consumers with insurance-related questions or problems. The unit, staffed by insurance experts, provides immediate assistance to callers whenever possible. The CDI responds to thousands of consumer request for assistance complaints received each month. Acting on these requests, the department protects consumers by investigating and prosecuting companies and licensees accused of insurance code violations, including fraud.

Help-line for health, auto, homeowner, life, and business insurance information. Does not provide ratings on insurance companies, however, consumers will be referred to rating companies. Handles complaints against insurance agents, brokers, and bail bond agents. Handles questions on premium rates coverage, deductibles, discounts, making a household inventory, and filing a claim.

Department of Insurance
Consumer Communications Bureau
(800) 927-HELP (4357)
(213) 897-8921 (Los Angeles area and out of state)
300 South Spring Street, South Tower
Los Angeles, CA 90013

Complaint Jurisdiction:

1. Improper denial or delay in settlement of a claim.

2. Alleged illegal cancellation or termination of an insurance policy.

3. Alleged misrepresentation by an agent, broker, or solicitor.

4. Alleged theft of premiums paid to an agent, broker, or solicitor.

5. Problems concerning insurance premiums and rates.

6. Alleged improper handling of an escrow transaction by a title insurer or underwritten title company.

Complaints Outside Jurisdiction:

Workers’ Compensation Claims Disability claims under the Unemployment Act Uninsured motorists Pre-paid health plans or HMO's.

Licensing information for those involved in insurance work, such as insurance agents, brokers, and bail bond agents.

Department of Insurance
Producer Licensing Bureau
Mailing address (no public counter):
320 Capitol Mall
Sacramento, CA 95814
(916) 322-3555
(800) 967-9331

Complaints or inquiries about an HMO should be referred to staff at the Department of Managed Health Care.

Dental Insurance
(888) HMO-2219

The National Insurance Crime Bureau is a not-for-profit organization that receives support from approximately 1,000 property/casualty insurance companies. The NICB partners with insurers and law enforcement agencies to facilitate the identification, detection and prosecution of insurance criminals.

National Insurance Crime Bureau Insurance Fraud Hotline
(800) 835-6422

Consumer Resource & Referral Guide Consumer Resource & Referral Guide
Directory of State Agencies Directory of State Agencies
Directory of Federal Agencies Directory of Federal Agencies
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