Investigation Division Overview
Investigation Division Mission
“To protect California consumers by investigating suspected violations of laws and regulations pertaining to the business of insurance and seeking appropriate enforcement actions against violators.”
Effective enforcement of the insurance laws help to safeguard consumers and insurers from economic loss and eliminate unethical conduct and criminal abuse in the insurance industry.
The Investigation Division is charged with enforcing applicable provisions of the California Insurance Code under authority granted by Section 12921, and to refer crimes to appropriate prosecuting authorities pursuant to Insurance Code Sections 12928 and 12930. The Division pursues prosecution of offenders through both regulatory and criminal justice systems.
The Investigation Division employs over 90 investigative and support staff that are assigned to seven regional offices statewide to handle the large volume of complaints that are filed. For major and complex cases, or when the need arises to ensure that offenders are prosecuted, the Division will partner with a number of other state and federal agencies, which include local law enforcement agencies, the Franchise Tax Board of the State of California, the United States Postal Inspection Service, and the Federal Bureau of Investigation (FBI).
The Insurance Commissioner’s priorities emphasize investigation and prosecution in the following areas:
- Premium Theft
- Senior Citizen Abuse
- Health Insurance Violators
- Illegal Bail Practices
- Unauthorized Insurers & Insurance Transactions
- Deceptive Sales & Marketing Practices
- Title Insurance Rebates
- Public Adjuster Violations
- Abusive acts committed by auto insurance agents & companies