How do I file a complaint against an insurance company?

If you need to file a complaint against an insurance provider in Illinois, the Illinois Department of Insurance can help. First, contact the insurance company or agent and inform them of the problem. If the dispute cannot be resolved, you can file a formal complaint with the Department of Insurance. Complaints can be filed online or by mail. All complaints must include the policy number, name and contact information of the policyholder, and a detailed description of the reason for the complaint. Supporting documents such as a letter from the insurance company or correspondence from the insurance agent may be required. Once your complaint has been received, the Department of Insurance will investigate the issue. Depending on the complaint, it may be referred to the insurance company for resolution or to a state agency for further review. The department will notify you of the results of the investigation. If necessary, the department may take disciplinary action against the company by revoking a license, fining the company, or referring the case to law enforcement. You can also contact the National Association of Insurance Commissioners (NAIC) for assistance. The NAIC is a voluntary organization of insurance regulators from the states and other jurisdictions that regulates the industry. If you have a complaint against an insurance provider in Illinois, you may submit it to the NAIC for assistance. It is important to know that the Illinois Department of Insurance does not have the power to order a company to pay money to a policyholder. If the investigation finds that the insurance company has acted illegally or if it has failed to pay a legitimate claim, the company may be required to pay for the damage but the Department of Insurance cannot force payment.

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