Q: How do I file a complaint against an insurance company in Florida.

You can file a complaint with Florida’s insurance department, known as FLOIR, by calling 1-877-693-5236.

Question 1

Who is the primary regulator of insurance companies in Florida?

Accepted Answer

The Florida Office of Insurance Regulation (FLOIR) governs any insurance company engaged in the sales and service of auto insurance policies in the state. FLOIR enforces laws that protect consumers and businesses from unfair practices of insurance companies.

Question 2

Who is in charge of Florida&#8217;s insurance department?

Accepted Answer

Michael Yaworsky currently serves as the commissioner of the Florida Office of Insurance Regulation.

Question 3

Does the Florida Office of Insurance Regulation provide additional information to Florida drivers?

Accepted Answer

Yes, the FLOIR offers access to various searchable databases to help consumers and businesses understand insurance companies operating in Florida. These databases include information on company licensing, rate and form filings, and complaint/financial information searches.

Question 4

How do I file a complaint against an insurance company in Florida.

Accepted Answer

You can file a complaint with Florida&#8217;s insurance department, known as FLOIR, by calling 1-877-693-5236.

Question 5

Can you sue an insurance company directly in Florida?

Accepted Answer

In Florida, you can file a civil lawsuit against your auto insurance company if they break a contract or unfairly deny a claim.

Question 6

Can the Florida Office of Insurance Regulation assist me in finding an auto insurance policy?

Accepted Answer

The primary role of the Florida Office of Insurance Regulation is to regulate and oversee insurance companies, but they can provide information on licensed insurers in the state. However, for finding an auto insurance policy, it&#8217;s recommended to work with an insurance agent or broker.

Question 7

Are there any requirements for auto insurance coverage in Florida?

Accepted Answer

Yes, Florida law requires drivers to carry minimum auto insurance coverage, including personal injury protection (PIP) coverage and property damage liability coverage. It&#8217;s important to comply with these requirements to legally drive in the state.

Question 8

Does the Florida Office of Insurance Regulation offer assistance for insurance fraud investigations?

Accepted Answer

Yes, the Florida Office of Insurance Regulation has a dedicated division called the Division of Insurance Fraud that investigates insurance fraud cases. If you suspect insurance fraud, you can report it to the Division for further investigation.

Question 9

What are the laws for auto insurers in Florida?

Accepted Answer

FLOIR oversees auto insurance rules relating to insurance companies operating in the state, including:

Florida 690-170 (relating to property & casualty insurance company rating)
Florida 690-175 (vehicle insurance); Florida 690-176 (requirements of vehicle insurance)
Florida 690-125.004 (Use of credit reports and disclosures concerning insurance applications)
Florida 690-142.002 (complaint ratios of insurance companies)
Florida 690-142.011 (insurance penalty guidelines)
Florida 690-167.001, .002, .004, .004, and .010 (property & casualty contracts in Florida)
Florida 690-171.005 and 171.008 (property & casualty insurance reporting)

Question 10

What are Florida&#8217;s primary laws and statutes?

Accepted Answer

FLOIR enforces statutes and laws that protect consumers and businesses from unfair practices of insurance companies in the state of Florida, including references in:

Chapter 624 Part III (general requirements of insurers and authorizations of insurers)
Chapter 624 Part V (limits of auto insurance and risk; reinsurance)
Chapter 626 Part II; Chapter 626 Part IX (unfair trade practices of insurance sellers)
Chapter 627 Part I (rating organizations and rates of insurance companies)
Chapter 627 Part II (insurance contract); Chapter 627 Part XI (casualty insurance and motor vehicles)
Chapter 627 Part XVI (financing insurance premiums)
Chapter 627 Part XVII (insurance company reporting requirements)

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Who governs Florida auto insurance companies?

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Who governs Florida auto insurance companies?

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