File an Insurance Complaint (2024)

The Ohio Department of Insurance, one of the largest consumer protection agencies in the state, regulates automobile, homeowner’s, renter’s, certain health, life, annuities, nursing home, credit life, credit disability, and pet insurance.

Ohio law gives insurance consumers and providers the right to request assistance involving insurance companies, health maintenance organizations (HMOs), insurance agents, and adjusters related to cancellations, refunds, sales practices, misrepresentation, claim and benefit disputes, and more.

First, Try to Solve the Dispute Yourself

If you have a complaint, call your company first. Many complaints can be resolved by calling the company and talking to them about your issue. Most insurance companies have toll-free telephone numbers for customer assistance. *Please note that if you are in dispute with your health plan over appropriate care your health plan has an internal process to hear your appeal that you MUST go through before contacting the department.

  • Speak to your agent first. If you are unable to resolve your complaint, ask to speak to a supervisor.
  • Have your policy number ready.
  • Ask for a written response to your complaint.
  • Follow up in writing. Describe your complaint and how you want the company to resolve it.

Call the Department’s Consumer Services Division

If you are still unable to resolve your complaint, you may contact the Consumer Services Division at the Ohio Department of Insurance (ODI). Call toll-free: 800-686-1526.

  • The analyst will answer questions over the phone and explain any additional steps you should take to resolve the problem.
  • The department will decide if the company handled your issue appropriately and within the terms of the policy or certificate of coverage.
  • The department will decide if the company, agent, or adjuster broke state insurance laws or administrative rules and take enforcement action when laws or rules are broken.

Ways to Request Assistance

You may file a complaint online or request a complaint form and instructions for filing a written complaint be mailed to you.

  • File an online complaint by filling out a complaint form.
  • Request a complaint form and instructions for filing a written consumer complaint by contacting Consumer Services at 800-686-1526.
  • Mail written complaints to: Ohio Department of Insurance, Consumer Services Division, 50 West Town Street, Third Floor/Suite 300, Columbus, OH, 43215.

Required Information

  • The name and address of the company or agent.
  • Your policy number, the name of your group, etc.
  • A description of what happened, who was involved.
  • If the complaint involves a dependent under family coverage, identify the person named on the policy.
  • If your complaint is against some other person’s insurance company (such as another driver’s) include that person’s name and policy number plus your claim number.
  • Letters you have written to the company or agent about the problem, and letters they have written to you.
  • Your policy or the part of your benefits handbook about the disputed coverage - please mark the section you feel supports your complaint.
  • Letters written by other persons (such as your doctor or lawyer) about the complaint.
  • Sales literature or copies of worksheets if these are relevant.
  • The claim you filed with the company if a claim is involved.
  • Letters written by other persons (such as your doctor or lawyer) about the complaint.
  • Your health card if a health claim is involved.
  • Detail regarding the solution you are seeking (e.g., pay a claim, issue a refund, etc.). *Do not send originals. Do not send us your medical bill, unless there is a specific problem with the bill itself.

Additional Information

How soon will I hear from Consumer Services?

  • You should receive a letter within two weeks confirming that we have received your complaint.
  • Our letter will give your analyst’s name, explain what action we are taking, and tell you how long it may take to conclude the process.

How long will the investigation take?

  • An investigation usually takes approximately 30 days but can take much longer if your complaint involves a unique or complex problem.

What will the investigation involve?

  • The department will send the company a copy of your complaint and ask for an explanation of its position.
  • Your analyst will review the company’s response to make sure it has correctly addressed your problem— this may result in more letters or phone calls between the analyst and the company.
  • Your analyst will send you a letter that explains the results of the investigation.

What happens if the company refuses to correct my problem?

  • If there is no evidence of violations, the analyst’s letter will say so and explain why we are closing the investigation.
  • If the analyst is not satisfied with the company’s response, we will continue to work on the case.
  • If it is determined that the company or agent violated insurance laws, your complaint will be referred to the department’s Market Conduct Division or Enforcement Division for further action.

Should I call to check on the investigation’s progress?

  • You should not need to call because we will strive to keep you informed.
  • If you need to call, you will have your analyst’s direct phone number, fax number, & email address.
  • If you have additional information, put it in writing, include your file number, & send it to your analyst in a letter or email. Please note: the Ohio Department of Insurance cannot:
  • Act as your lawyer, give you legal advice, or resolve disputes that are in litigation.
  • Recommend or rate insurance companies or HMOs.
  • Resolve a dispute when the only evidence is your word against the word of the company or agent.
  • Force a company to satisfy you if no laws have been broken — even if you believe the company or agent has not been fair.
  • Make medical judgments or require a company to pay for services the company has determined were not “medically necessary” — for all health claims, you must follow your plan’s appeal process.
  • Handle every problem with a health plan that is self-funded by an employer, unless an insurance company, an HMO, or an independent administrator is involved.
File an Insurance Complaint (2024)


How do I report an insurance company in Illinois? ›

Department's complaint form, contact our office toll-free at (877) 527-9431. When your complaint is received, a file number will be assigned and you will be sent written notification of that number.

How do I file a complaint against an insurance company in Ohio? ›

You may file a complaint online or request a complaint form and instructions for filing a written complaint be mailed to you. File an online complaint by visiting the department's complaint center at Choose the option that best fits your situation and follow the online prompts.

How to file a complaint against an insurance company in Georgia? ›

  1. Fill out the Complaint Form as instructed. The preferred and most efficient process is the online complaint process above. Email and mail are both slower processes.
  2. Mail to: Georgia Department of Insurance. 2 Martin Luther King Jr. Drive. Suite 716 West Tower. Atlanta, Georgia 30334.

How do you write a powerful complaint letter? ›

State what you feel should be done about the problem and how long you are willing to wait to get the problem resolved. Make sure that you are reasonable in requesting a specific action. Include copies of any documents regarding your problem, such as receipts, warranties, repair orders, contracts and so forth.

How to ask for compensation for inconvenience? ›

Start by clearly stating the reasons for seeking compensation and the amount being requested. Be specific and provide as much detail as possible to support the claim. Next, provide any supporting documentation that may be necessary to substantiate the claim, such as medical bills or repair estimates.

Who regulates insurance in Illinois? ›

Our mission is to protect consumers by providing assistance and information, by efficiently regulating the insurance industry's market behavior and financial solvency, and by fostering a competitive insurance marketplace.

How do I file a consumer complaint in Illinois? ›

The preferred method to file a consumer complaint is by an online submission. For those who may require a form to print, complete by hand, and return by mail, the office has downloadable files available. Review the additional complaints we manage and choose one to resolve your issue.

Do you need a police report to file an insurance claim in Illinois? ›

Immediately report all losses directly to your insurance agent or company. Immediately report a loss to the police if your vehicle is damaged by a hit-and-run driver, or if you suspect vandalism or theft. Without a police report, your company could deny your claim.

Who should you first contact with a consumer complaint? ›

File a complaint with government or consumer programs

File a complaint with your local consumer protection office. Notify the Better Business Bureau (BBB) in your area about your problem. The BBB tries to resolve complaints against companies. If you think you may have experienced a scam, report it to the FTC.

Can I sue an insurance company in Ohio? ›

If an insurance company violates that covenant of good faith, the insured person (or “policyholder”) may sue the company for a bad faith claim in addition to a standard breach of contract claim.

How to file a complaint against an insurance company in Indiana? ›

File a Insurance Company Complaint
  1. The Online Consumer Complaint Portal is the preferred & most efficient method of filing a complaint.
  2. Mail to: IDOI. Attn: Consumer Services Division. 311 W. ...
  3. Fax to: 317-234-2103.
  4. Consumer Services Division. Indiana Department of Insurance.
  5. Mail to:
  6. Fax: 317-234-2103.

What insurance company has the most complaints? ›

Ratio for Complaint Years 2022, 2021, and 2020
2022 RankCompany Name2022 Approx. Exposure Count
1Garrison Property and Casualty Insurance Company115,066
2American National Prop & Cas Co82,749
3Safeco Insurance Company of Illinois58,402
48 more rows

How to file a complaint against an insurance company in Illinois? ›

An online complaint can be filed here: or by calling 866-445-5364.

Can you sue an insurance company in Georgia? ›

If a company is found acting in bad faith, the policyholder can alert the state's insurance commissioner or a consumer insurance advocate. Another statute, Georgia Code § 33-4-6, states that an insurance company's failure to pay a claim within 60 days allows the policyholder to sue for bad faith.

How do I write a professional complaint letter to a company? ›

Basic rules
  1. keep your letter to the point. You need to give enough detail for your employer to be able to investigate your complaint properly. ...
  2. keep to the facts. ...
  3. never use abusive or offensive language. ...
  4. explain how you felt about the behaviour you are complaining about but don't use emotive language.

How to write a letter to insurance company for pain and suffering? ›

7 Tips for Writing a Demand Letter To the Insurance Company
  1. Organize your expenses. ...
  2. Establish the facts. ...
  3. Share your perspective. ...
  4. Detail your road to recovery. ...
  5. Acknowledge and emphasize your pain and suffering. ...
  6. Request a reasonable settlement amount. ...
  7. Review your letter and send it!

What is a letter of complaint with an example? ›

A complaint letter format will typically begin with the sender's details, followed by stating who it's addressed to, the date, and then the letter itself. The opening paragraph should state your reason for writing, and the meat of the text will go into detail about the matter.

What information should be included in a letter of complaint? ›

Tips for writing a successful complaint letter
  • the subject of your complaint.
  • your original expectation about the subject.
  • what went wrong.
  • details of any attempts by the other party to put right the problem, and why they did not work.
  • why the fault or error or action affects you so greatly.
  • what compensation you seek.

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