ENFORCEMENT BRANCH
The Enforcement Branch of the Department of Insurance is the investigative body for the department. This branch consists of the Fraud Division and the Investigation Division. Leading the nation in consumer protection continues to be the motivating force in providing all investigative and support services necessary for the fight against insurance fraud. The Enforcement Branch maintains its lead through the collaboration of other law enforcement agencies and prosecutors throughout the state.

Fraud Division
The core mission of the Fraud Division is to protect the public from economic loss and distress by actively investigating and arresting those who commit insurance fraud. The Fraud Division acts as the primary law enforcement agency in the State of California for investigating different types of Suspected Fraudulent Insurance Claims.

Types of Crimes Investigated Include:

• Automobile Collision
• Automobile Property
• Medical
• Life
• Workers' Compensation
• Other
• Fire
• Property
• Healthcare

If you are unsure which category your claim would fall under, please feel free to contact our Consumer Services Division.

Investigation Division
The mission of the Investigation Division is to protect California Consumers by investigating suspected violations of laws and regulations pertaining to the business of insurance and seeking appropriate enforcement action against violators. The Insurance Commissioner has established a case handling priority system for the Investigation Division which helps to categorize major cases and prioritize the Division’s resources.

Types of Violations Investigated Include:

• Premium Theft
• Senior Citizen Abuse
• Insurance Company Insider Fraud
• Viatical and Viatical Settlement Fraud
• Insurance Company Deceptive Practices/Condoning Sales Force Misconduct
• Phony Insurance Companies
• Private Passenger Auto Insurance Consumer Abuse
• Bail Industry Misconduct

If you are unsure which category your complaint would fall under, please feel free to contact our Consumer Services Division.