Serving those who have nowhere else to go

CIGA’s purpose is to serve Californians as a trusted, empathetic, and reliable payer of claims to policyholders and claimants of insolvent licensed property and casualty insurance carriers.

Got a claim? Answer a few questions to get tailored information on what to do next.

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When the unexpected happens, CIGA steps in

We take on liability, auto, and workers’ compensation claims after an insurance company is placed in liquidation. Since 1969, CIGA has helped thousands of consumers navigate the uncharted waters of insolvency and ensure their medical and financial security.

Questions? We've Got Answers

What kind of claims does CIGA handle?

CIGA is here for your liability, auto and workers’ compensation claims.

Our sister organization, California Life & Health Insurance Guarantee Association is California’s guaranty fund for life & health insurance and annuities.

Will my benefits be delayed?

Since CIGA must first obtain the claim files from the Liquidator of the insolvent insurer, some delays may occur. Rest assured, we make every effort to quickly identify and expedite the handling of all claims.

What happens to my in-force policy after the liquidation order?

Generally, a liquidation order and finding of insolvency will terminate an in-force policy at expiration date or 30-days after the liquidation order, whichever is sooner. It is incumbent on you to secure a replacement policy.