How do I file a complaint against an insurance company?

Insurance companies, agents, brokers and adjusters are licensed by the State Department of Insurance in which they do business. The Department of Insurance (DOI) in each state is responsible for regulating their own insurance laws. If you have a complaint to file against an insurance company, you should do so with the Department of Insurance in your state. According to the National Association of Insurance Commissioners, the three most common reasons for consumers filing complaints against insurance companies in 2008 were:

• Delays in Claims Processing
• Denials of Claims
• Unsatisfactory Settlement Offers

To see a full list of state DOI’s, click visit our interactive map of state by state departments of insurance.

Always try to settle the dispute with the consumer affairs department within the insurance entity first. If the issue cannot be resolved, contact your DOI. Be sure to have plenty of information about your complaint available including the name of the company or agent, your policy and/or claim #, and an explanation of your concerns. Be aware that most state DOI’s will send a copy of your complaint to the insurance company.

Most State DOIs will allow you to file a complaint online, otherwise, they will supply you with an address or fax where you can direct your correspondence. Be patient, as complaints can take weeks and sometimes months to be investigated and settled to the satisfaction of the State DOI.