Insurance company complaints – Who do you turn to?
Posted on in Car Insurance Companies, Claims Information
If you’ve had a bad experience with an insurance company, how do you go about making sure other consumers don’t have the same problem? Your state insurance regulators are responsible for making sure admitted companies handle your claims fairly and to the letter of the law. If you feel you haven’t been treated fairly, you don’t have to take the insurance companies decision as final. By taking your complaint to your state insurance department, you can hold your insurance company accountable and help other insurance consumers in the process.
Most states have specific proceedures for filing complaints against insurance companies. The first step in the resolution process is to contact the company or your agent to try to achieve a satisfactory conclusion to your problem. If you get nowhere, which is probably why you’re here reading this, then it’s time to file a formal complaint with your state’s insurance regulating department.
Each state uses a different term, whether insurance department, division of insurance or insurance commmission, they are all essentially the same. This is the state department responsible for agent licensing, company regulation, rate approval and consumer complaints. We have included a list of links to all 50 agencies responsible for insurance regulation. Simply follow the links below and look for the specific area of interest for consumer complaints to find out how to file a complaint against your insurance company.
Alabama Department of Insurance
Alaska Division of Insurance
Arizona Department of Insurance
Arkansas Insurance Department
California Department of Insurance
Colorado Division of Insurance
Connecticut Insurance Department
Delaware Department of Insurance
Florida Department of Financial Services
Georgia Office of Insurance
Hawaii Department of Commerce and Consumer Affairs
Idaho Department of Insurance
Illinois Division of Insurance
Indiana Department of Insurance
Iowa Insurance Division
Kansas Insurance Department
Kentucky Department of Insurance
Louisiana Department of Insurance
Maine Bureau of Insurance
Maryland Insurance Administration
Massachusetts Division of Insurance
Michigan Offfice of Financial and Insurance Regulation
Minnesota Department of Commerce
Mississippi Insurance Department
Missouri Department of Insurance
Montana State Auditor’s Office Insurance Division
Nebraska Department of Insurance
Nevada Division of Insurance
New Hampshire Insurance Department
New Jersey Department of Banking and Insurance
New Mexico PRC Division of Insurance
New York State Insurance Department
North Carolina Department of Insurance
North Dakota Insurance Department
Ohio Department of Insurance
Oklahoma Insurance Department
Oregon Insurance Division
Pennsylvania Insurance Department
Rhode Island Division of Insurance Regulation
South Carolina Department of Insurance
South Dakota Division of Insurance
Tennessee Department of Commerce and Insurance
Texas Department of Insurance
Utah Insurance Department
Vermont Department of Banking & Insurance
Virginia Bureau of Insurance
Washington State Office of Insurance
West Virginia Insurance Commission
Wisconsin Commissioner of Insurance
Wyoming State Insurance Department
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Tags: Car Insurance Companies, consumer complaint, file a complaint, insurance company complaints
Thanks for what you are trying to do here. However, I have filed complaints with the Georgia state insurance office against California Casualty and Standard Insurance and they offer no help. About the auto insurance problem, they said get an attorney which would cost too much for a $1,500 problem. Concerning disability insurance, Oxendine’s investigator said they couldn’t mandate Standard to pay up. If the insurance office only parrots the insurance company what can you do? Is there any federal office that is a recourse for such matters?
Thanks for your time. Roger White
That’s unfortunate. Individual states are responsible for policing the companies that are admitted to write in each state, so there isn’t really a federal recourse. Your options, according to the Georgia Office of Insurance, are:
If you disagree with the Department’s response to your complaint contact the Consumer Services Division and ask to speak with a Supervisor.
You may wish to consult an attorney to discuss your concerns. You may also request alternative dispute resolution (ADR) to settle disputes with your insurance company on property claims. ADR uses techniques such as mediation with a neutral third party to help settle a dispute outside a formal court of law.
Sometimes state insurance departments are not able to solve all issues with insurance companies, so an attorney may be your only option.
Can some one give me any Idea how to file the complaint against of my Insurance company investigator? This ***** is rasist and biased. What to do?
On this site, click on the ‘In Your State’ link on the top menu and choose your state. At the bottom of your state’s page there is contact information for your state insurance authority. Call them and ask them how to file or register a complaint against your insurance company. You can also contact your insurance company and attempt to speak with the head of the claims department to discuss the inappropriate actions of the investigator. You’re more likely to see action if you go through your state insurance department consumer affairs division than from your insurance company. The investigator may be a private contractor that is not an employee of the insurance company, so your insurance company may not be able to take any action.