Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 30, 2020

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Here's what you need to know...

  • There are times when you might not agree with the way your insurance company handled your claim
  • Many states have their own websites for the Department of Finance and Insurance where you can find information about the complaint filing process
  • Get at least three quotes from different auto insurance companies to compare. This is the best way to ensure you find the best policy

When you first signed up with your auto insurance company, you took the time to compare and contrast the different companies and their policies very carefully. Even though you did your best to choose the best auto insurance company, there still might come a time when you don’t quite agree with a way they handle a claim or other issue.

Ask an auto insurance company for quotes and compare your options. This is the best way to find a policy that offers you the coverage you want and need at a price you can afford. Learn more here: how do I ask an auto insurance company for quotes.

If you have an issue dealing with auto insurance companies such as filing a large claim and they denied it, your first action should be to try to settle with the company. If that does not work, you will have to resort to either letting it go or to file a complaint against the company.

Keep in mind, however, that the process to file a formal complaint against an insurance company is not a quick process. Below are some steps to follow in order to file auto insurance complaints. Be sure you have the best auto insurance company and lowest rates.

Enter your zip code into our FREE car insurance comparison tool above and start comparing affordable auto insurance quotes now!

Visit the Department of Insurance Website for Your State

Many states have their own websites for the Department of Finance and Insurance. If you need help finding the websites, visit your National Association of Insurance Commissioners department or website for help.

They should have a map that will have links to each state’s insurance department. Once you find the website, you will be able to find information on how to proceed.

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Fill Out Complaint Form

Once you have found the site for the Department of Insurance, fill out the formal complaint form. Fill it out as accurately as you possibly can.

The more accurate and complete the form is, the easier it will be for the department to process it.

Make sure you list events between you and the auto insurance company in chronological order.

Before submitting, check over everything to make sure it’s accurate. Many times, people are frustrated and irritated when filling out these types of forms.

Don’t let that prevent you from being able to communicate the problem clearly.

Attach Necessary Documents and Sign the Complaint

Once the form is filled out, you should supply copies of all supporting documents. Do not send in your originals.

Any paperwork, emails or letters that were passed between you and the auto insurance company during the dispute should be sent with the complaint form.

Next, do not forget to sign and date the form.

This might seem like an obvious step, but going through this process can sometimes cause people to forget even the simplest of things.

Mail the Complaint Form

The next step is to send the completed complaint form to your State’s Department of Insurance. Be sure to double-check that you are sending it to the right place.

If you are not completely sure where to send it, contact the department to verify the address before sending.

Sending it to the wrong place could delay the whole process.

Once it has been sent, wait a little bit and then follow up with the department to see if they received it.

Once you know they have successfully received it, be sure to follow up with them every couple of weeks to see how the complaint process is progressing.

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Look for New Insurance

While you are waiting for your complaint to be processed and a decision to be made with your current auto insurance company, you might want to start looking for a new insurance provider.

When looking for a new insurance company, it is best to start out with getting multiple quotes to compare. There are many factors to consider when choosing a new company.

Get at least three quotes from different auto insurance companies to compare. This is the best way to ensure you find the best policy.

Find out what type of discounts that the company offers. Sometimes, you will have to ask each company directly for specific discounts.

Depending on your circumstances, you might get a much better deal with one company compared to another.

Figure out who the underwriter for the insurance company is. Do some research on the underwriter to be sure that they don’t have a lot of complaints against them from current or previous customers.

You don’t want to sign with a company and have to file another complaint.

Check out the customer service department. A customer service department is very important since they are who you will be dealing with the most.

A good company will have friendly and knowledgeable customer service agents that are available to assist you 24/7. You want to be able to reach your auto insurance provider whenever you need them.

Use our FREE comparison tool with your zip code to find out what discounts are available in your area! Enter your zip code in the box below to get started now!

References:

  1. http://naic.org/
  2. http://insurance.delaware.gov/
  3. https://www.esurance.com/
  4. https://www.safeauto.com/
  5. https://www.thebalance.com/what-is-insurance-underwriting-2645778