File Insurance Company Complaint
Reporting a Complaint about an Insurance Agency or Company
If you have an insurance company complaint, you have rights and recourse. Report an insurance agent complaint to your state department of insurance.
If you feel you’ve been unfairly treated by your insurance carrier, you have the right to complain. By filing an insurance broker complaint report with your state department of insurance (DOI), you can get protection against wrongdoing from an insurance company or an insurance agent. The state departments of insurance enforce insurance laws, investigate insurance carrier complaints and offers information to help you understand your rights.
To file an insurance company complaint, find your state department of insurance Web site, and determine whether you can file an insurance broker complaint on-line. On-line filing speeds up the process of an insurance company investigation and is offered by most DOIs. When you file an insurance agent complaint, you’ll need to have all of your insurance policy information and any documentation related to the insurance company complaint available.
- Documentation might include copies of e-mails or letters sent to or received from your insurance company or agent related to the insurance agent complaint.
- A call log, times and dates of calls and details of the insurance carrier complaint can also be helpful; many insurance companies record incoming calls. Insurance policy information includes your policy number, and any associated forms or sales materials that pertain to your insurance agent complaint.
- You’ll also provide an overview of the insurance company complaint, a description of the problem, what you’ve done in response to the problem or insurance claim, and what your agent or insurance carrier has done in response, and how you think your insurance carrier complaint should be resolved. Read more about insurance company complaints on the insurance blog.
According to the Louisiana Department of Insurance, types of insurance complaints typically include:
- Insurance company complaints against sales or policyholder services
- Premium rates or refunds insurance complaints
- Cancellation/ Non-Renewals
- Claim Delays/ Denials/ Unsatisfactory Settlements
- Other insurance company complaints
Insurance broker complaints can be filed for almost any type of insurance; see your state department of insurance Web site for more detail. The state DOIs thoroughly investigates all complaints, and if laws have been broken, they will follow-up with appropriate actions to resolve insurance agent complaints. Filing an insurance broker complaint takes time; expect to wait for an insurance company investigation results for up to 60 days after filing the complaint. I've reviewed more than my share of insurance company complaints. Yet, most of the complaints I saw were the result of a misunderstanding, not any company wrongdoing.
