How To Resolve Insurance Complaints

50 State US Insurance Departments

If you have insurance questions or problems that you cannot get resolved by your local insurance agent or company representative, contact your state insurance department for help. For your convenience, we have listed the insurance departments for all 50 states in the US.

Some insurance laws are federal, but the individual states usually regulate insurance. That is why available plans vary by state. They must conform to state laws. Rates may differ by states, or even by zip code, because insurers believe that the costs of doing business will be higher in some areas than others.

Resolving Insurance Complaints

Contact Your Insurance Company or Agent

If you have a problem with a claim, you should try to contact your insurer or agent first. Many errors are caused by innacurate forms or simple clerical mistakes, and you can get them fixed in a few minutes.

Even if a phone call to your insurer does not resolve a claim error, it will give you a chance to understand why you did not have your claim settled the way you expected it. Make sure you keep careful notes so you understand why you insurer decided to act the way it did.

Contact Your State Insurance Department

If you are still not satisfied with the resolution of your claim, it may be time to call or write your own state’s insurance department. They regulate all insurers who do business in your state, and they are their to protect consumer’s rights.

Is it time to call a lawyer?

If your state insurance department cannot help you, it may be time to consult with a lawyer. Many lawyers offer a free initial consultation. Then it is time to decide if your problem is worth taking to court.