A consumer files a written complaint with the Colorado Division of Insurance about the claim-handling practices of an Aurora insurer. Which provision governs the Commissioner's authority to receive and investigate such complaints?

Why C is correct

C.R.S. § 10-1-108 empowers the Colorado Commissioner of Insurance to receive and investigate complaints against licensees. The Division may examine the insurer's records and conduct hearings on the complaint, which is a core supervisory duty alongside the Commissioner's broader investigative and examination powers.

Why the other options are wrong

• A) C.R.S. § 10-3-1108 sets monetary penalties for unfair-competition and deceptive-act violations after a hearing; it does not govern the receipt of consumer complaints.
• B) C.R.S. § 10-2-401 governs producer licensing matters such as the producer's relation to the insurer; it is not the complaints provision.
• D) C.R.S. § 10-16-202 prescribes required provisions in individual sickness and accident policies; it does not address Division complaint handling.

Memory hook

Complaints land on 10-1-108, the Commissioner's complaint desk.