As a state mandated regulatory agency, the California Department of Insurance (CDI) has authority over how the insurance industry conducts business within California. The Investigation Division has been charged by the Insurance Commissioner to take steps to minimize insurance related crimes committed by businesses and individuals through enforcement of applicable provisions of the California Insurance code, Penal Code and other codes that are violated by those perpetrating insurance fraud against the consumer.
The Investigation Division is divided into seven Regional Offices and has approximately 92 staff members to serve the public.
Criminal Operations Point of Sale - COPS
The Investigation Division strengthened the Department's Law Enforcement capabilities when it established the Criminal Operations - Point of Sale team under 830.3 PC - granting investigators peace officer powers.
Disaster and Recovery Team - DART
The Investigation Division's Disaster and Recovery Team is mobilized whenever a disaster has occurred in California involving potential insurance claims. This team is equipped to provide assistance to victims after a disaster by providing the victims with information at evacuation centers, as well as during walk and talks in the affected neighborhoods.
The Investigation Division actively participates in training and educating the public, the insurance industry and other law enforcement agencies about insurance fraud committed against the consumer.
Special Funded Programs:
Life & Annuity Consumer Protection Program - LACPP
The Life & Annuity Consumer Protection Program was enacted in 2004 to curb the dramatic increase of life insurance and annuity financial abuse (particularly against senior citizens). Funding for this program is generated from an assessment on specific life insurance policies, of which a portion is distributed District Attorneys throughout California for prosecution of the crimes.
The Automobile Program generates funds collected from an assessment on auto policies. A portion of these funds are to be used to investigate complaints involving automobile insurance.