Consumers & Claims - Liability, Auto & Property Claims
The California Insurance Guarantee Association (also known as "CIGA" ) was created under California law to provide a limited fund for the payment of some, but not all, Liability, Auto, and Property claims made by or against a California resident, or property permanently located within California, which are within the coverage of policies issued by California admitted insurers that have been declared insolvent and ordered into liquidation by a California court or court in the state in which the insurer is domiciled. CIGA is authorized to pay and discharge only certain "covered claims" as that term is defined under California Insurance Code Sections §1063.1 and §1063.2 subject to additional statutory and case law limitations. The "covered claims" that CIGA is authorized may be more limited and/or restricted than the coverage that would have been afforded under the policy issued by the insolvent and liquidated insurer. To qualify as a "covered claim" for CIGA, the claim must satisfy all the requirements set forth in California Insurance Code Sections §1063.1 and §1063.2, including the requirement that the claim must be presented to the Liquidator in this state, if any, or CIGA on or before the last date fixed for the filing of claims in the domiciliary liquidation proceeding. Where your insurer has been declared insolvent and liquidated, and you have a new claim under your own property policy, or a liability claim or suit has been made against you that you believe would be covered under your Auto or Liability policy, you should immediately contact the Liquidator for your insurer utilizing the Liquidated Insurance Companies link so that you may protect your rights in the liquidation proceeding by providing the Liquidator immediate notice of the claim or loss and filing any requisite Liquidator mandated claims form. Please note that the Liquidator's acceptance or allowance of your claim in the liquidation proceeding does not mean that your claim qualifies as a "covered claim" or has been accepted by CIGA. In addition, you should promptly notify CIGA of such claims, loss, or demand, by mailing CIGA notice of such loss, including copies of any and all claim documents, claim records, policy information, or legal papers delivered or served upon you concerning, referring to or mentioning the particular Auto, Liability, or Property claim. Send such notice of claim to CIGA at:
California Insurance Guarantee Association P.O. Box 29066 Glendale, CA91209-9066 In the alternative, you may notify CIGA by submitting sufficient information, to include policy and claim related documentation, as email attachments, to the email address: newliabilityloss@caiga.org.