As state government organizations go, it’s always reassuring when one, such as the California Department of Insurance, is here to help. Often, these organizations are merely shoulder-shrugging agencies that always seem void of any solution to help a worried or frustrated consumer with auto insurance problems. Well, this is not the case with the California Department of Insurance.
Indeed, the California Department of Insurance (CDI) is an important statewide organization formed specifically to help consumers with certain situations, including making informed decisions when it comes to choosing any type of insurance, but more commonly auto insurance. The CDI can assist consumers in their search to find licensed auto insurance companies or agents in their area, understanding confusing insurance terms, as well as how to compare insurance premiums accurately…without falling prey to hidden agendas or getting overwhelmed by advertising and promotional material.
Furthermore, the California Department of Insurance can check and verify the operating license of a particular provider you may have a question about. This can be a helpful tool should you be wary as to the legitimacy of a potential choice of agent or insurance company. The organization’s website can provide additional information regarding the current status of the company, years in business, and any past complaints that may have been filed against them.
Another useful function of the CDI– if you’re ever in a position where you suspect you may have been the victim of insurance fraud or subjected to unfair treatment by your insurance company, you can report it to the CDI. Once a complaint has been filed, the organization’s investigative unit will check out your claim and, if found applicable or worthy of further action, enable you to obtain the help and/or reimbursement you’re entitled to. While the majority of fraud claims reported are mostly associated with automobile-related collisions or similarly related property damage, you can essentially report any type of fraud to the department for swift resolution.
One of the more valuable aspects of the CDI is that it stands behind you in the event you feel you haven’t been treated fairly by your auto insurance company. The CDI can provide assistance if the unfair treatment includes:
• Improper denial in the settlement of a claim
• Excessive and unnecessary delay in the settlement of a claim
• Illegal cancellation and/or termination of your insurance policy
• Misrepresentation by your insurance agent or company
• Theft of paid premiums
• Unfair or constant rise in premiums or rates
It’s always good to know you’re not alone. You can either call their consumer hotline at 1-800-927-4357, Monday through Friday, from 9:00 a.m. to 5:00 p.m. Or, if you’ve got questions about the California Low Cost Auto Insurance Program and how to secure low cost auto insurance, call 1-866-60-AUTO -1 anytime. You can also visit the CDI website directly at http://www.insurance.ca.gov.
No matter what your needs, it’s comforting to know the CDI is there to assist you. However, when it comes to your premiums, you’re on your own. Get a free auto insurance quote from Freeway Insurance and save money on quality coverage today?
