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
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
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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