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How the complaints process works

The Insurance Division's Consumer Protection Section resolves thousands of consumer complaints each year. Most complaints involve disputes with insurance companies about claims processing and benefits. Examples of other complaints include problems with the sales and servicing of insurance policies.

Filing a Complaint

You have the right to file a formal complaint against an insurance company or insurance agent at any time. To file a complaint, complete the interactive complaint form or download a copy of the PDF complaint form.

Be sure to keep copies of any documents that may be needed to support your complaint. Examples include copies of your insurance policy and correspondence with the insurance company. We will notify you if supporting documents are needed.

The Insurance Division will send a copy of your complaint to the insurance company or agent. The company or agent has 21 days to send us a response. If the response is adequate, we will send a copy to you with an explanatory letter. If the response is not adequate, a compliance officer will work with you and the company or agent to try to resolve the problem. If an insurance law has been broken, the case will be referred to the Insurance Division's Investigations Unit.

Legal Advice

The Insurance Division can provide help and advice on insurance complaints, but we can't act as your attorney. If you believe your legal rights may be in jeopardy or you are considering taking legal action against an insurance company or agent, you may want to consult an attorney.

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PDF complaint form

Interactive complaint form

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This document was last revised on September 15, 2003 .