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    Pennsylvania Insurance Department

    Search for Regulatory & Enforcement Actions Taken Against Your Inusrance Agent or Company

    Regulatory and enforcement actions are the result of a negative finding against an insurance agent or company.  These findings may be the result of an investigation, audit, or complaint.

    When choosing an insurance agent or company its important to be aware of any past violations and ensure your agent or company is the best option for you.

    Types of  Violations

    There are two types of regulatory actions that may be taken against an insurance agent or company.  A market conduct violation and an enforcement action.

    Market Conduct - Market conduct violations are the result of audits or examinations.  These are performed to ensure the company is operating within the boundaries of PA statutes and regulations.  These examinations may include a review of claims handling, received complaints, services to policyholders, advertising and marketing, and underwriting and rating to ensure fair and non-discriminatory practices. If a violation is found the insurance company could be assessed penalties and ordered to pay restitution to policyholders and a market conduct order will be created.

    Enforcement Action - An enforcement action is the result of a negative finding by the enforcement unit.  Often initiated by a complaint, an investigation of an insurance licensee would take place.  If a violation is found to have taken place they will impose fines, suspend and revoke insurance licenses, and order restitution to be paid to consumers and an enforcement action record will be created.