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investigation: division functions

The Investigation Division investigates complaints of unlawful activity perpetrated against the public by agents, brokers, public adjusters, bail agents, insurance companies, and other individuals and entities transacting the business of insurance.

The Division relies on consumers' complaints to aid us by being our public eyes and ears in the detection the fraud. The Division's aim is to stop fraud and prosecute those involved in committing fraud against consumers.

The Investigation Division has investigators statewide to handle the large volume of complaints that are filed. Investigations documenting significant violations are referred for criminal and/or administrative prosecution and can result in administrative, civil and/or criminal action.

Administrative remedies available include restriction, suspension and revocation of the licenses of those producers who are in violation of the provisions of the California Insurance Code. Additionally, other remedies include Cease and Desist orders, restitution, fines and penalties. Civil remedies include seizing and closing the business, ordering restitution, fines and penalties. Criminal remedies available are incarceration, probation, community service, restitution, fines and penalties. 

The details of an investigation are confidential until a public filing has been made. In criminal complaint cases filed or legal pleadings issued, some information may become available as a matter of public record. You can obtain public information on CDI administrative cases, by visiting the Enforcement Actions section on our public website.

Complaints deemed to be outside the jurisdiction of the Department of Insurance are referred to the appropriate governmental agency.