How to File a Complaint Against an Insurance Company

Consumers can file a complaint by phone, 1-800-252-3439; e-mail, consumerprotection@tdi.state.tx.us; or the complaint form on the agency’s website, www.tdi.state.tx.us.

After studying the complaint, the consumer protection division sends the insurer a copy and asks for a detailed written response to the complaint.

The Insurance Department staff then determines whether the claim or any other issue was handled properly under the policy.

The staff also reviews the file to assess whether laws were violated.

If violations are found, the department institutes an enforcement action that can result in sanctions ranging from a fine and restitution to revocation of the insurer’s state license.

It’s probably worth filing a complaint if you’re getting the run-around, but since the Insurance Department cannot force a company to pay a disputed claim if there is no violation of the law and cannot determine who is at fault in an accident, you may want to consider hiring an experienced personal injury lawyer.