What action does the Insurance Commissioner take first when a violation of insurance law is identified?

When a violation of insurance law is identified, the Insurance Commissioner typically first issues a cease and desist order. This action serves to immediately halt the illegal activity and prevent further violations while the investigation is ongoing. The cease and desist order is a critical tool used by the Commissioner to protect consumers and ensure that insurance practices comply with state regulations.

This priority reflects the need for swift action to safeguard the public from potential harms associated with non-compliance. It allows the Commissioner to assert regulatory authority and mandates that the entity involved cease its activities until a thorough investigation and resolution can take place. Other options, like conducting criminal investigations or seeking public input, may occur later in the process, following the immediate protective measures of a cease and desist order. Filing a complaint in court is also a possibility, but it typically happens after initial remedial actions are taken to address the violation and gather sufficient evidence.