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Consumer Complaints: File an Insurance Complaint | File a General Complaint | Report a Fraud
 
       
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File and Insurance Complaint

  

File an Insurance Complaint

Have you had a bad experience with an insurance company? Complete the survey below outlining problems you are having, or have had, with your insurer. (Takes approx. 2-5 minutes to complete.) We will tally the information with other consumers’ complaints and use it to advance consumer rights and to seek reform of the insurance industry and regulatory system. No personal information will be publicly disclosed unless expressly authorized. [Privacy Policy & Disclaimer]

Contact Information
First Name
Last Name
Address
City
State
Zip
Phone
Email
   
Please list the name of the insurance company (not agent) you conduct business with and select the type of insurance from the pull down menu. You may comment on only one company per survey form.  If you wish to comment on another company, please complete a separate form. Your input is greatly appreciated.


Insurance Company

If you know, state whether your insurer is a:

Mutual     
Stock
Don't Know     

Please indicate your level of satisfaction with your insurer:

Very Satisfied
Moderately Satisfied
Not Satisfied

If you are not fully satisfied with your insurer please indicate below the reasons for your dissatisfaction:

  1. Problems Getting Claims Paid
  2. Problems with Insurer's Operation
  3. Problems with Pricing or Being Denied Coverage
  4. Problems with Marketing and Sales
 
1. Problems Getting Claims Paid
Denial of Claim
Partial Claim Denial (e.g., denied replacement housing or car)
Unsatisfactory Claim Offer (e.g., too low)
Delays (e.g., over 60 days)
Post Claim Underwriting (e.g., raised premiums or terminated the policy after a claim was filed)
Coordination of Benefits (e.g., company claims other insurance coverages must pay first)
Company required that your damaged car be repaired with poorly made, generic parts.
Company refused to reimburse you for the loss in value a car suffers when it has been in an accident, even if it is completely repaired.
Other (describe in comment section below)

2. Problems with Insurer’s Operations

Delays/No Response
Premium Notice/Billing problems
Premium Refund (e.g., company won't pay)
Annual Dividend Problem (e.g., did not pay dividend or calculated it improperly)
Coverage Problem (e.g. company won't cover what I need or has an unclear policy on what is covered)
Cash Value (e.g., miscalculated on life policy)
Other (describe in comment section below) – e.g., failed to send annual ballot (for a mutual company).

3. Problems with Pricing or Being Denied Coverage (i.e., Underwriting Issues)
Premium or Rating (e.g., overcharges)
Refusal to Insure
Cancellation
Nonrenewal of policy
Delays (e.g., in processing application)
Unfair Discrimination ( e.g., because of race and/or gender)
Endorsement/Rider (e.g., wrongfully excluded coverages)
Group Conversion (e.g., problems converting to individual coverage)
Other (describe in comment section below)

4. Problems with Marketing and Sales
Misleading Advertising
Agent Handling
Misrepresentation by Agent or Insurer
Twisting (e.g., agent or company tries to bait and switch)
Deceptive Telemarketing Calls
High Pressure Tactics
Duplication of Coverage (e.g., sold something you already have)
Delays
Company promised that you would only have to pay life insurance premiums for a limited number of years, but you have had to pay more.
Company sold you a life insurance policy on the grounds that it was a good “investment” on a retirement plan.
Company persuaded you to replace an existing non-term insurance policy with a new policy.
Other (describe in comment section below)


COMMENTS/SUGGESTIONS

Please explain more fully the problems you identified above.

We recommend that you print a copy of this form for your records.
Thank you for taking the time to complete this survey!

 
 

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Adkins, Kelston & Zavez, P.C. • 90 Canal Street, Suite 500, Boston, MA 02114 • TEL: 617.367.1040 • FAX: 617.742.8280