Can I complain to the Department of Insurance?
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The insurance regulatory agencies of most states (usually called the "Department of Insurance" or similar name) have established procedures whereby consumers who believe they have been subjected to unfair claims handling can file a complaint against the offending insurance company. The complaint will be investigated to determine if the company acted properly and in a manner consistent with the state's insurance laws, including the "Unfair Claims Practices" laws. In some cases, the investigation may cause an insurance company to reevaluate its handling and disposition of a claim. If a company is found to be in violation of the law, this process also may result in a fine or other penalty being imposed on the company by the Department of Insurance. This mechanism may be helpful in some cases, but often these agencies have limited resources or limited authority. If you do not get satisfaction from the regulator, you should consult an attorney as soon as possible.