What action does the insurance commissioner take when responding to an unfair practice?

The insurance commissioner has the authority to issue a cease and desist order when responding to unfair practices in the insurance industry. This action requires the party engaging in the unfair practice to immediately stop those actions. It serves as a regulatory tool to protect consumers and ensure that companies operate within the law and ethical standards. By issuing a cease and desist order, the commissioner can quickly halt potentially harmful practices while further investigations or legal actions are considered.

Other actions, like filing a lawsuit or imposing fines, may follow after an investigation or if the unfair practices persist. However, the cease and desist order is a direct and immediate response aimed at stopping the unfair conduct without the need for lengthy legal proceedings.