In cases where the Commissioner finds substantial evidence that any complaint against a company is justified, in addition to any penalties, the company shall?

When the Commissioner finds substantial evidence that a complaint against an insurance company is justified, the company becomes liable not only for any penalties imposed but also for the expenses incurred during the investigation. This stipulation is in place to ensure accountability among insurance companies and to deter them from engaging in practices that could harm policyholders or violate regulations. By requiring the company to cover investigation expenses, it reinforces the seriousness of the findings and signals that there are financial repercussions for misconduct that extends beyond merely paying fines. This approach helps to maintain integrity within the insurance market and provides a mechanism for accountability that ultimately protects consumers.