{"id":352590,"date":"2017-06-27T13:06:27","date_gmt":"2017-06-27T18:06:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/insurance\/how-to-report-an-insurance-company.html"},"modified":"2026-01-22T09:47:56","modified_gmt":"2026-01-22T14:47:56","slug":"how-to-report-an-insurance-company","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/how-to-report-an-insurance-company.html","title":{"rendered":"How To File a Complaint Against an Insurance Company"},"content":{"rendered":"\n
\n

How To File a Complaint Against an Insurance Company<\/h1>\n\n
\n
\n By Balrina Ahluwalia, Esq.<\/a> | Legally reviewed by Catherine Hodder, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
\n

This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
\n

The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n\n\n

\n

An insurance complaint is a formal protest filed by a consumer with the state when an insurance company unfairly denies a claim, delays payment, or acts dishonestly. A state official investigates these disputes to ensure the insurer followed the rules and can issue fines or order the company to fix the issue.<\/p>\n\n <\/div>\n\n\n\n

Insurance is supposed to protect you when life takes an unexpected turn. Whether it\u2019s a car accident<\/a>, healthcare<\/span> emergency, or damage to your home, you rely on your insurance company<\/span> to honor your insurance policy<\/span> and pay valid claims.\u00a0<\/p>\n

State insurance laws<\/span><\/a> require insurers to honor policy terms and follow fair claims practices. As you\u2019re likely aware, that\u2019s not always the case. When your insurance company<\/span> treats you unfairly or fails to follow insurance laws<\/span>, it\u2019s important to understand your right to file a consumer complaint<\/span>.\u00a0<\/p>\n

In this article, we discuss the circumstances under which you might file an insurance complaint<\/span><\/a>. We\u2019ll also review the processes involved, how to get started, and what you can do if the matter remains unresolved.<\/p>\n

Filing a complaint can be an easy and free way to resolve an issue. The remedies for doing so, however, are limited. In some cases, you may want to consult a consumer protection<\/a> or insurance attorney<\/a> before you file a complaint. They can help you understand the bigger picture, including possible outcomes from the complaint process<\/span> and how to preserve your claims for potential legal action later.<\/p>\n

In the meantime, let\u2019s review some of the reasons people may have a beef with an insurer or another entity regulated by insurance laws<\/span>.<\/p>\n

Common Grounds for Filing an Insurance Complaint<\/span><\/h2>\n

Consumers may file insurance complaints<\/span> for many reasons. A complaint may pertain to any type of <\/span>insurance<\/span> policy<\/span>. It might be against your own insurer, another insurance company<\/span>, or other insurance industry<\/span> players, like pharmacy benefit managers<\/span> or public <\/span>adjusters<\/span><\/a>.<\/p>\n

Common examples across various policies include:<\/p>\n