Burlington Public Library

For a class assignment, law student Rudy Baylor is required to provide free legal advice to a group of senior citizens. He stumbles onto one of the largest cases of insurance fraud ever seen.

The Colorado Commissioner of Insurance is charged with monitoring the financial condition of insurance companies doing business in Colorado to assure each has sufficient assets to pay claims and fulfill responsibilities to Colorado policyholders. This type of regulation is called "financial" or "solvency" regulation. An insurer that does not have sufficient assets to meet its obligations is considered "insolvent."

The Division of Insurance strives to provide consumers with objective, accurate, and useful information to help them make decisions about the insurance they purchase.

The Division of Insurance receives informational inquiries from more than 26,000 Coloradans annually. Below are some typical questions from consumers, along with the answers, to help consumers choose the right insurance.