As a Los Angeles injury lawyer, I say allegedly because in my more than 30 years in law, first as a paralegal and now as a personal injury lawyer, I’ve never seen any clients helped by this administrative agency.
I am personal injury lawyer, Michael Ehline. Below, as I showed you earlier with suing in small claims court over a car crash, I’ll show you another alternative remedy for gaining leverage over crummy insurers.
CAVEAT: This is not legal advice; again, I’ve never seen anyone directly helped by the CDI. However, I have seen insurance companies start returning calls and become more attentive when angry clients start complaining, and the insurance company sees they have a bureaucrat asking questions.
If an insurance agent is not acting professionally or is demonstrating unfair insurance practices, you can contact the California Department of insurance and file a complaint against the insurance company.
Contact California Department for Unfair Insurance Practices
Many insured people try to contact the consumer complaints department at CDI to resolve their high-dollar-value personal injury cases or any other case against the insurance company. However, that is something the CDI does not do.
CDI has nothing to do with Los Angeles insurance litigation unless it involves a criminal or administrative action against an accused insurance company or insurance agent. It is a regulatory body that ensures that an insurance company acts in good faith towards its policyholders.
Individuals who are unfairly treated or in bad faith or facing unnecessary insurance problems can pursue regulatory action against the insurance company by contacting the CDI.
If you want legal help, CDI can help you get a copy of your policy which you can then give to a private attorney for legal advice. Call their consumer hotline at 1-800-927-HELP and an agent can help you file a complaint, receive a copy of your policy, or even try to resolve minor to medium issues.
Often bad faith manners can complicate things and affect your life. You should file a complaint against the insurance company so that they can pay for their behavior and contact a California injury attorney to help you file a claim lawsuit.
How Does the California Insurance Department Keep Insurance Companies in Check?
After the 1994 natural disasters, it was clear that insurance companies in the United States were violating the law and CDI regulations. The insurance companies were conducting bad practices to avoid paying out to genuine consumers.
The CDI was quick to notice that and took severe actions to ensure that the insurance companies avoid such bad practices in the future. Insurance companies had to:
- Pay hefty fines
- Face court proceedings and legislatures
- Negative publicity.
After taking action against the insurance companies in 1994, the policyholders received fair compensation from the insurance claims department. These days, the CDI does random audits to ensure compliance at insurance companies, just like an external audit done by an audit company for a business.
How to File a Complaint with the California Insurance Department?
Insurance companies are in the industry to do business. In doing so, many people might find themselves in an unfortunate situation where the insurance company is not processing consumer payment claims.
One must file a complaint with the CDI to hold these insurance firms accountable. Here are the steps you need to follow to file a complaint against the insurance firm with CDI.
Request for Assistance Form
Like when you fill a claims file to file for claims, the same applies here, where individuals can file a complaint by filling out the request for assistance form (RFA). You must fill out the RFA form to start the complaints process and report the insurance company’s bad faith practices. You can even ask someone to fill out the form on your behalf and submit it to the CDI.
CDI Contacts the Insurance Company
Upon receiving your complaint, the CDI will start investigating and get to the bottom of the situation. They will get in touch with your insurance company to know their story. Remember, the CDI is not a judge but a regulatory body that ensures compliance and punishes lousy faith practices.
It will not take your or the insurance company’s side because CDI does not handle disputes. CDI monitors for trends and flags concerning issues upon which they take proper action to hold the insurance company accountable.
Note: Make sure to document your problems in a complaint. Simply filing a complaint without being descriptive about the nature of the problem you’re facing won’t warrant any action from CDI. But make sure you don’t give them too much detail in the complaint form, as it can end up hurting your case (for the underinsured) if you file a lawsuit in the future.
Check The Website for Additional Information
CDI website contains valuable and up-to-date information that can help insured individuals know their rights and file claims with their insurance company accordingly. The legislation and law change from time to time, and to keep updating yourself on how the change in law affects your insurance policy, you need to visit CDI’s website.
You will find laws on local natural disasters such as wildfires and earthquakes. For example, there was no such thing as “additional living expenses” or ALE, but after the spread of wildfires, the website got updated with a new section featuring this new “law.” ALE requires insurance companies to give their policyholders 24 months of benefits and additional ALE expenses that individuals can claim.
CDI Hosts Public Meetings
Not all individuals file complaints against their insurance company, and to raise awareness of the complaints process and CDI’s mission; the regulatory body has public meetings. These meetings act as a platform where individuals can learn about CDI and how they operate, while the CDI can learn about the bad behavior of insurance firms.
Management-level executives at insurance companies attend these meetings, making it an excellent opportunity to convey your concerns directly to them.
Reach out to Us for Insurance Litigation
You can file a complaint against an insurance company, but don’t stop there. An objection might start an inquiry, but the results may not be what you expect. You need to take legal action, and Ehline Law and our attorneys are just the people to reach out to.
Our Los Angeles-based injury attorneys are legal experts who will deal with your insurer on your behalf and get you the insurance coverage you deserve. For more information, contact us at (213) 596-9642 and get a free consultation with an expert lawyer today!
Michael Ehline is an inactive U.S. Marine and world-famous legal historian. Michael helped draft the Cruise Ship Safety Act and has won some of U.S. history’s largest motorcycle accident settlements. Together with his legal team, Michael and the Ehline Law Firm collect damages on behalf of clients. We pride ourselves on being available to answer your most pressing and difficult questions 24/7. We are proud sponsors of the Paul Ehline Memorial Motorcycle Ride and a Service Disabled Veteran Operated Business. (SDVOB.) We are ready to fight.
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