California Department of Insurance

I reported GEICO for unfair practices. For example, I added a new vehicle and the 6 month rate was $ 460, but prorated for 2 months, GEICO charged me $ 415.
Michael Hilliard’s response didn’t even address my concern. He basically told me DOI wasn’t going to do anything, and that I could take GEICO to small claims court if I wanted to. Thanks Captain Obvious!!!
Here’s my response: Fuuuuuuk you DOI! You are another worthless organization that doesn’t protect the consumer, and only supports muthafukn insurance companies!!! I can’t believe I pay taxes to support you weaka$$ fukbois!!!

CDI is the largest consumer protection agency in the state. California is the largest insurance market in the United States and the sixth largest insurance market in the world.
Find out information about Insurance Agents, Brokers and Companies. Make sure who you’re trusting with your information is licensed and bonded.

WOW is all I can say. I thought CDI provided unbiased help but boy was I wrong. I reached out to CDI after I was in a car accident. The driver who rear ended me claimed someone hit them from behind causing their car to be pushed into mine. Their insurance company, AllState, did an awful job of handling the claim. AllState never returned my phone calls, denied liability BEFORE even having an appraiser look at the damage done to my car. When I asked how they can deny liability bc of a scratch on the other drivers bumper and a huge dent on my car (it doesn’t add up) AllState told me they can’t call their driver a liar bc they pay their premium every month. Allstate is a joke and I was hoping CDI would help mediate, but the representative assigned to my compliant was rude (constantly spoke over me and wouldn’t let me finish a sentence) and told me I should let my insurance company pursue through subrogation bc they can’t make AllState do the right thing. I called back after the representative from CDI sided with AllState without even hearing my rebuttal and he told me that «I wanted to argue bc I didn’t get my way». Seriously?! To anyone that thinks this company can help us consumers, think again.

I had one of my insurance exams here. Fairly secure location but not in the best area. Quite filthy outside of the building. Wouldn’t go back to the area unless I had to.

I bought American Home Shield Insurance when I bought my older home. While they did cover minor things they refused to cover a $ 1200 replacement of a half inch gas line that the former homeowner used instead of ¾ inch required by the water heater to make the water stay hot. AHS said their «incorrect installation» verbiage only meant if they’d incorrectly installed when they did repairs not original installation.
I wrote the Dept of Insurance Claims Bureau. AHS denied my claim twice more in further phone contacts. Then when they tried to get me to renew the AHS person said she didn’t understand why I was upset since the Dept of Insurance Compliance Officer said they had to reimburse me. I was stunned. I had only hoped to add to the complaints against AHS practices. Yet someone actually read my letter and documentation and could see how they had been manipulative.
Thank you. You are my unsung hero. You protected a consumer. I really appreciate that.

Biased to Insurance Co; NOT Impartial to Uphold the Law to Protect Consumers!
I filed a complaint with Calif Dept of Insurance (CDI) concerning State Farm’s insufficient refunds after I terminated my policies. State Farm refused to produce evidence to show how its «pro-​rate factor» was created? CDI decided to side with State Farm’s refusal to provide evidence, and not to enforce to compel State Farm for production of documents to show how its refunds were calculated? CDI’s associate Cook demanded me to use Small Claims Court for my refund disputes and closed my case without contacting me. I agreed with previous reviews that CDI failed to fulfill its legal and contractual obligations to protect consumers. It is easier for them to close the case and tell you go to Small Claims. CDI has destroyed its mission to exist for the protection of consumers. Hope CDI will diminish soon; they are counter-​productive, toxic to society, and CDI exists to destroy consumers, not served to the best interest of consumers. It is despicable!

The CDI Website shows this as their mission statement:
«A Clear Vision:
To be the best consumer protection agency in the nation.
A Common Mission:
Protect consumers;
Seek innovative ways to foster healthy and fair market competition;
Vigorously ensure that insurance companies fulfill their legal and contractual obligations;
Ensure that consumers have full and meaningful information about insurance products, companies and agents;
Maintain an open, equitable regulatory process; and
Fairly and impartially uphold the law.»
**cough…cough**
I don’t think so.
Hubby and I were in a minor auto accident and filed a claim with the insurance company (Farmers) of the man who hit us. There was very little damage to our truck, but the other guy told our insurance company it was our fault so we had no choice. Not surprisingly, Farmers (who I will be reviewing soon) denied our claim saying that their insured claimed that he wasn’t at fault. That didn’t surprise me. I mean, let’s be honest. Do you really think he would admit to driving his friend’s car drunk and slamming into us just a few days after getting his license? I don’t think so. Anyway, Farmers denied the claim saying that his version of the story says we were at fault. Then Farmers gives us three different versions of their insured’s story in three different letters. Oh yeah they did! I called them on the lies and sent a letter to the CDI thinking they could help. Um… no. What was I thinking? This is the insurance industry. They are all so close knit they probably have their Holiday parties together. The CDI told me take it to court. Nice. A scratched bumper is certainly not worth two years of bickering with Farmers — and of course they know that. Case closed! *wiping hands on jeans*
Long story short — Farmers got away with lying, not only to me but to the CDI and they also got out of paying a claim that was small and just. As for consumer protection from the CDI, not to worry. If the particular consumer works for an insurance company, they got your butt covered!