Sail on insurance

Settlement disputes are one of the main reasons why the insurance consumers file complaints with the State DOI. It often becomes difficult for both the parties to arrive at a settlement. This happens either when the policy holder doesn’t have the right coverage or when the insurer is at fault.

 

If you are looking to register your complaint with the state department of insurance, then you will need to call them regarding the complaint process. In return, they might send you printed information regarding how to go about it. You may request the DOI complaint form through email or obtain it at their website. This will save time as they will be able to offer prompt replies once a case is set. All you have to do is to maintain your original documents for future references.

 

In order to make sure that you have provided all necessary information that might help the DOI, convey the following information along with your complaint-

 

• your name, telephone number, email address, residential address
• the name of your insurance carrier
• the name of your adjuster or agent.
• the claim number
• date when you suffered the loss
• a brief of the mishap
• photocopies of documents that support your cause

 

Now, what do the DOI do with all these pieces of information?

 

Once you will submit all the necessary documents they will send you an acknowledgment letter. This letter bears the name as well as the contact information of the investigator. It also shows the case number of the issue that has been submitted with the DOI. This case number should be referred in case any other information needs to be conveyed to the DOI later on.

If you have any more complaints following this investigation, you’ll receive a fresh case number along with the identity and contact information of the new investigator.

 

It will be the responsibility of the DOI to seek a detailed explanation from the company in question. They will keep on updating you regarding the responses of the company through the different phases of their communication. In the event that you’re not satisfied with the steps undertaken by the DOI, you may forward your problem to the Consumer Services division. Thereafter, you may also resort to other options e.g. consult with an attorney or seek the help of alternative dispute resolution (ADR) to settle the dispute.