Who is responsible for paying the costs incurred from an examination requested by the Commissioner due to complaints against an insurance company?

The insurance company is responsible for paying the costs incurred from an examination requested by the Commissioner due to complaints against it. This is based on the principle that the insurance company bears the costs related to regulatory oversight and examination to ensure compliance with laws and regulations. When a complaint arises and an examination is deemed necessary, it is typically the insurer's responsibility to cover the operational costs involved in conducting that examination. This not only incentivizes insurers to maintain high standards of operation but also ensures that resources are available for proper regulatory oversight, as the financial burden does not fall on taxpayers or the consumers involved.