Being involved in an accident is a trying experience. If you discover that your car insurance company is refusing to pay a claim that you have filed, this can only contribute to the levels of stress and anxiety that you are experiencing. If you decide to file a complaint against your insurance company, whom are you suppose to complain too? All fifty states have insurance department whose sole purpose is to mediate disputes and investigate incidences of foul play.
Before you decide to file a complaint with your state’s insurance department, it is advisable to attempt to resolve the dispute through your insurance agent or the insurance agency’s customer service department. You should keep careful track of any correspondence, conversations, phone calls, or emails that pass between you and your insurance company. It is also advisable to reread the fine details of your insurance policy. If the situation cannot be resolved satisfactorily between you and the insurance company, then it is time to file a complaint. The type of disputes that your state’s insurance department will handle includes claims disputes, fraudulent practices, policy cancellation, and adjuster disputes.
The aim and intent of your state’s department of insurance is to protect a motorist from unfair insurance practices; however, it does have limitations on what actions it can take. An insurance department cannot dispense legal advice nor can they act as a judge in a dispute without thorough documentation of your complaints. Once a formal complaint has been filed, it will take your state’s insurance department between 5 and 30 business days to attempt to resolve the issue. If any inquiries are made of you by the insurance company, make certain that you are prompt in your replies in order to expedite the process. If the department awards a judgment in your favor, your insurance company may be subjected to fines or the revocation of their business license. It is important to remember that simply because you have filed a complaint does not guarantee that an insurance department will render a verdict in your favor.