How and When to File a Complaint
It is always best to make an attempt at resolving a problem with your
company prior to filing a complaint. In any case, it's important to keep
dates, times and names of those you spoke with when trying to resolve
a problem. If
the insurance company is unable or unwilling to resolve the problem, then
all means, file a complaint with the state department of insurance.
When filing a complaint, you must do it in writing, clearly outlining
It is a good idea to list names, dates, times and whom you spoke with
at the insurance
company, and what their responses were. This will give your complaint
more credibility than a poorly written or poorly documented complaint.
Proper documentation will help to resolve the problem faster.
You should send your written complaint, certified mail, return receipt,
state department of insurance in your state. You should expect a response
days. Follow up with a phone call to the department if no response is
received in that
time frame. Also send a copy of your complaint to your insurance company
agent, if you have one.
I would like to say at this point the results you receive from the state
of insurance will depend on the state in which you live and the insurance
you insure with. The reason is simply this. In some states, the state
insurance tends to look out for the interests of the industry; therefore,
is not treated fairly. In most states, they are doing their job correctly,
public from any misconduct of the insurance industry, as well as protecting
insurance industry from consumer misconduct. The individual company may
may not be on good terms with the state department of insurance; therefore,
complaint may be handled differently based on the company you insure with.
all complaints should be handled fairly for all parties involved!
The problem should be resolved within 30 to 60 days depending on the
complexity of the complaint. You should also expect the complaint to be
within the laws that govern the affairs of the insurance industry in your
state, as well
as within the rules filed by your insurance company with the state.
Hopefully, you will never have to deal with this situation, but if you
you now have the knowledge to handle it.
The following list contains the phone numbers for the state departments
of insurance for all 50 states.
New Hampshire 800-852-341
New Jersey 800-446-7467
New Mexico 800-947-4722
New York 800-342-3736
North Carolina 800-662-7777
North Dakota 800-247-0560
Rhode Island 401-277-2223
South Carolina 800-768-3467
South Dakota 605-773-3563
Washington D.C. 202-727-8000
West Virginia 800-642-9004
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