How to File a Complaint Against an Insurance Company

We have probably all been there a time or two when out insurance company doesn’t exactly meet the expectations that we would like for them to have. Maybe they just didn’t do their job, didn’t explain things to you right, or was rude; insurance companies are like any other business and therefore you can file a complaint with them to ensure that this does not happen again or to at least get the problem resolved. As you’ll need basic insurance for things like your property it is really important that you understand how your insurance policy works and how you can tackle any problem with your insurance provider if such a situation arises. 

Before you file a complaint with the insurance company, you need to make sure that you have all your information on hand. The information that you will need is any bills that are in question, your insurance card or information, your name and valuable information, and what the complaint is over. Once you have this information, you will want to call the insurance company to see if you can resolve this problem without it escalating into something else.

Let’s face it, insurance companies are not the best at explaining this to you and most of what they say can be a bunch of legal mumbo jumbo. If you don’t understand what they have said, ask the insurance representative to explain it to you. Listen carefully so that neither of you has to keep repeating yourselves. The good news is that it might have just been a misunderstanding before because they didn’t do a thorough job at explaining the information to you. If this isn’t the case, then you will need to read further to get a better understanding of what you might want to do to file a complaint against your insurance company.

Each time that you talk to a person on the phone, you will want to get their name and badge number for future references. This also will help you when you file a complaint against the insurance company because then they will know who you spoke to and can gather more information for themselves.

If you don’t agree with what they have said or feel that there are errors or that they have been misleading, tell them that you wish to have all the details sent to you and that you have prepared yourself to file a complaint against the insurance company.

If you are prepared to file a complaint against the insurance company, you will need proof that you have been wronged by them. This proof can be documents that you have or a letter that you have been sent and you don’t agree with. Sitting down and writing a letter to your state’s Insurance Commissioner is probably going to be your best option.

If you choose to write a letter of complaint against the insurance company to the Insurance Commissioner, you will want to have details stated as to what to place and why you feel the way that you do. When writing out a complaint on an insurance company, you will always want to try and show proof no matter what. Proof makes things seem more real than just a word of mouth discussion.

Once you have written the complaint against the insurance company, proofread the document and make any changes necessary. Try to visualize yourself as the Insurance Commissioner and ask yourself if the letter was believing enough that they could see why you had become upset with the insurance company.

Included in the letter should be the names of the insurance company, what caused you to file the complaint, any documents that prove your case, the names of everyone that you spoke to and their badge number, your phone number and address, and anything else that you feel will help you to get this problem solved much quicker.

If you are not sure on how to contact the Insurance Commissioner, you can go to the National Association of Insurance Commissioner for details on your state and where to send the letter too.