California Dept of Insurance has attorneys and complaint-handling staff whose job it is to help resolve insurance claim problems. California Dept of Insurance Filing a complaint is the first step you’ll need to take to let them know you’re having a problem. For your complaint to be recorded and “official”, you or someone acting on your behalf must complete a Request for Assistance (“RFA”) form.
The CDI toll-free hotline number is 1-800-927-HELP (4357). The CDI will not “adjudicate” (act as a judge and issue a decision re factual or legal disputes. You may be California Dept of Insurance disappointed in the results of their complaint-handling, or they may help you. The Department looks for patterns of similar problems. If they don’t get complaints that document problems, they can’t take action.
Important Reminder: If you attend a public meeting hosted by the California Dept of Insurance or if you file a formal complaint via an RFA, use the opportunity to get answers and let the California Dept of Insurance know about insurance problems you are having. Keep your comments general.
- Oversees and directs all functions of the Department of California Dept of Insurance.
- Licenses regulate and examine insurance companies.
- Answers public questions and complaints regarding the California Dept of Insurance industry.
- Enforces the laws of the California Insurance Code and adopts regulations to implement the laws.
Website resources and publications
disaster bulletins. Two important ones have to do with ALE (Additional Living Expense California Dept of Insurance) payments.
The California Dept of Insurance puts out publications that balance the perspectives of insurance companies and consumers. It is not our job to offer the perspective of insurance companies.
Market Conduct Examinations and Data Calls
The CDI can audit insurance company claim files to see if they’re complying with the law. After the Northridge Earthquake in 1994 CDI staff identified thousands of claim handling violations that led to large fines, legislative hearings, lots of bad publicity for insurance companies and better settlements for many homeowners. The California Dept of Insurance can issue “data calls” requiring insurers to provide them with specific information about their policies, rates and/or claims.
The Insurance Commissioner oversees the Department of Insurance. Democrat Dave Jones won the November 2, 2010 election for California Insurance Commissioner.
The Insurance Commissioner does not oversee the majority of Health Plans and Health Insurance.
Getting Help From the CA. Dept. of Insurance
Q: What does the California Department of Insurance do for the public?
A: The California Insurance Commissioner and his staff at the Department of Insurance, (“California Dept of Insurance”) are in charge of regulating insurance companies, agents, brokers, and public adjusters doing business in this state.
There are laws and regulations in California that protect consumers against unfair insurance practices. You can learn what they are by reading A Guide to Your Insurance Legal Rights.
Q: What does the California Dept of Insurance do to help disaster survivors?
A: Provides forums for homeowners to ask questions and get answers.
Q: What does the California Dept of Insurance not do?
A: The Department does not typically resolve disputes between individuals and insurers that involve large dollar disputes or coverage disputes. The CDI can help you get a copy of your policy, resolve small to medium-sized problems, and they can identify and punish patterns of bad behaviour.
If you are very underinsured or your insurer is treating you badly, you’re more likely to get the situation resolved through a private attorney with expertise in representing policyholders and handling “bad faith” lawsuits. Visit the “Find Help” directory for more information.
California Dept of Insurance Coronavirus
Information about Coronavirus (COVID-19)
The Department of Insurance is responding to COVID-19 with a series of steps to protect public health and maintain a strong insurance market to serve consumers. We are supporting actions by our state and local public health leaders to mitigate the spread and severity of COVID-19.
California Dept of Insurance Helpful Resources
The following links provide useful information on current developments of the Novel Coronavirus (COVID-19) from the California Department of Public Health and other health agencies.
California Dept of Insurance Climate Change
Commissioner Ricardo Lara has appointed the nation’s first Deputy Insurance Commissioner of Climate and Sustainability in the United States as California once again leads the nation by working with environmental and industry leaders to find innovative solutions to the risks posed by climate change.
California Dept of Insurance Our new Climate and Sustainability Office will address the threat of climate change by working with the insurance industry, climate experts, California and international leaders.