Getting Help with Car Insurance Complaints
How to get help with car insurance complaints starts by first contacting your insurance provider's customer service department. You can also contact your state's Department of Insurance and the Better Business Bureau. Follow this guide for more on the car insurance complaints procedure and how we can help you find new car insurance coverage with our free insurance comparison tool below.
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UPDATED: Jan 15, 2021
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- There are several reasons to complain about your insurance company
- First, try to find a resolution directly with your insurer
- If that fails, contact your state department of insurance
- You can also file a complaint with the Better Business Bureau
If you need help with a car insurance company complaint, you’re not alone. There instances where your car insurance company doesn’t do what you think they are supposed to.
It could be that they are very slow to pay a claim, that they undervalue your vehicle or they determine a vehicle that can be fixed is totaled, leaving you upside down on the loan.
Regardless of the reason you are unhappy, you should know that you don’t have to simply sit back and take it, you have more than one method of complaining, you simply need to take the initiative and do it, otherwise, the situation will never be resolved.
Having a mistake made on a claim after an accident may not be the only issues that you have with an insurance company. You can face other things, like the following:
- rude treatment from the customer service department
- being overcharged on your monthly premiums
- you can’t understand the bills you receive
You have the right to complain whenever you want; you just have to know who to complain to.
Tired of your old car insurance company. We can help you find a new one when you enter your ZIP code in our comparison tool above.
Who to Complain to First
First of all, you should let the insurance company try to resolve any complaints that you have before you move to a more serious step. There are many instances where you can get a resolution to your problem with a single phone call. That is the ideal solution.
If you have an issue about an after accident appraisal of your vehicle, for example, you have the right to ask for a second opinion. In addition, you can hire your own mechanic and body technician to look at our vehicle to assess the damage.
Most companies will provide you with a second opinion, at their own cost.
Also, if they are slow to resolve a claim, a call to the company might easily get you the check or the report that you are waiting for from the company.
Don’t sit on your hands, if it has been more than three days since you have heard from the insurance company, call them. If you still can’t get satisfaction, then it is on to the next step.
In the case of customer service issues, if you feel someone is treating you rudely, you will be happy to know that in almost 100 percent of cases all calls are recorded (when they say they are recording for quality assurance, they really are).
Ask to speak to that person’s supervisor and ask them to resolve the issue for you, make sure you treat them with respect; after all, they aren’t the ones you had an issue with.
If you have a problem with being overcharged, not only should you call the company, but you should put everything in writing as well.
This will help you in the future if you have to take further steps against the insurance company to get your money returned to you.
If you have already spoken to your insurance company and haven’t received a resolution to your problem, then read on and discover what the next steps will be.
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Steps Two and Three for Making Insurance Company Complaints
The reason that steps two and three are combined here is that you will want to take both steps if your issues aren’t resolved in step one.
The first thing that you will need to do is to contact your state’s Department of Insurance. In some states, the Department of Insurance (DI) falls under the guise of the Department of Motor Vehicles (DMV) or Registry of Motor Vehicles (RMV).
Because every state operates differently, this will only be a brief rundown of what to expect when you contact the DI or the DMV.
If you choose to contact them online, you will be directed to a form that typically asks for the following:
- your name
- your address
- your phone number
- the name and address (corporate usually) of your insurance company
At this point, you may get an open ended box that asks you to describe your complaint or a drop down box that gives you categories that your complaint might fall under. In either case, be as accurate as possible and leave emotion out of it.
A legitimate complaint will stand on its own, without any narrative from you about how angry you are.
You may or may not hear back about your complaint, depending on the reasons for your complaint. If it’s about being overcharged, you should get a response back (outside of the standard, thank you for your information form letter).
However, if it’s a customer service issue, the DI will follow up and post on their website that a complaint of this type has been made.
Any time the DI determines that a legitimate complaint has been made, they will post the complaint on their website so that anyone looking at the company can see what, if any, complaints that they have.
Better Business Bureau
Step three is reporting them to the Better Business Bureau (BBB). The BBB has a very important function and thousands of people use the BBB to determine whether or not it is safe to use a company (not just insurance companies, but any kind of company you can imagine).
The BBB follows up on every complaint it receives from a company registered with them (most insurance companies are) until a resolution of some sort is achieved.
It is important that you answer any questions that they may have and follow through on any requests you receive from them so that you can get your matter resolved.
Tell a Bad Car Insurance Company to Get Lost!
As you can see, there are options for you if you are unsatisfied with your auto insurance company, and while you can complain about anything you want, not everything is going to work out exactly like you want it to.
Regardless, a bad experience for you may be the catalyst that prevents someone else from purchasing a policy from that company because they read about your experience.
One great thing is that if you aren’t happy, you don’t have to stay with our current insurance company. You can leave whenever you want.
Many people think that once they sign a contract with an insurance company, they have to wait until the policy ends, but that isn’t true.
You can leave at any time for any reason and if you have already paid off your policy then your old insurance company will have to reimburse you the difference between what you have used and what you have paid for.
In the meantime, you will want to find new insurance. Our free quote tool can help you with that. Comparing prices between companies is the easiest way to choose the best deal.
With the Internet, you can research the companies that interest you so that you can see for yourself what complaints and compliments that each company has.
Your satisfaction is important, if you aren’t happy, make a switch today and use the free quote tool to find the perfect company for your needs. Enter your ZIP code below to start finding the best car insurance now!