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Consumer advocacy

State insurance departments

If an insurer delays, lowballs or ignores your claim, your state insurance department accepts consumer complaints for free. Below is each state’s regulator, where to complain, and the minimum liability coverage drivers must carry, which can cap what an at-fault driver’s insurer pays.

StateRegulatorFile a complaintMinimum limits*
AlabamaAlabama Department of InsuranceComplaint form25/50/25
AlaskaAlaska Division of InsuranceComplaint form50/100/25
ArizonaArizona Department of Insurance and Financial Institutions (DIFI)Complaint form25/50/15
ArkansasArkansas Insurance DepartmentComplaint form25/50/25
CaliforniaCalifornia Department of InsuranceComplaint form30/60/15
ColoradoColorado Division of InsuranceComplaint form25/50/15
ConnecticutConnecticut Insurance DepartmentComplaint form25/50/25
DelawareDelaware Department of InsuranceComplaint form25/50/10
District of ColumbiaD.C. Department of Insurance, Securities and Banking (DISB)Complaint form25/50/10
FloridaFlorida Department of Financial Services, Division of Consumer ServicesComplaint form—
GeorgiaGeorgia Office of the Commissioner of Insurance and Safety FireComplaint form25/50/25
HawaiiHawaii Department of Commerce and Consumer Affairs, Insurance DivisionComplaint form40/80/20
IdahoIdaho Department of InsuranceComplaint form25/50/15
IllinoisIllinois Department of InsuranceComplaint form25/50/20
IndianaIndiana Department of InsuranceComplaint form25/50/25
IowaIowa Insurance DivisionComplaint form20/40/15
KansasKansas Department of InsuranceComplaint form25/50/25
KentuckyKentucky Department of InsuranceComplaint form25/50/25
LouisianaLouisiana Department of InsuranceComplaint form15/30/25
MaineMaine Bureau of InsuranceComplaint form50/100/25
MarylandMaryland Insurance AdministrationComplaint form30/60/15
MassachusettsMassachusetts Division of InsuranceComplaint form25/50/30
MichiganMichigan Department of Insurance and Financial Services (DIFS)Complaint form50/100/10
MinnesotaMinnesota Department of CommerceComplaint form30/60/10
MississippiMississippi Insurance DepartmentComplaint form25/50/25
MissouriMissouri Department of Commerce and InsuranceComplaint form25/50/25
MontanaOffice of the Montana State Auditor, Commissioner of Securities and InsuranceComplaint form25/50/20
NebraskaNebraska Department of InsuranceComplaint form25/50/25
NevadaNevada Division of InsuranceComplaint form25/50/20
New HampshireNew Hampshire Insurance DepartmentComplaint form25/50/25
New JerseyNew Jersey Department of Banking and InsuranceComplaint form35/70/25
New MexicoNew Mexico Office of Superintendent of InsuranceComplaint form25/50/10
New YorkNew York State Department of Financial ServicesComplaint form25/50/10
North CarolinaNorth Carolina Department of InsuranceComplaint form50/100/50
North DakotaNorth Dakota Insurance DepartmentComplaint form25/50/25
OhioOhio Department of InsuranceComplaint form25/50/25 (from December 22, 2013)
OklahomaOklahoma Insurance DepartmentComplaint form25/50/25
OregonOregon Division of Financial Regulation (Department of Consumer and Business Services)Complaint form25/50/20
PennsylvaniaPennsylvania Insurance DepartmentComplaint form15/30/5
Rhode IslandRhode Island Department of Business Regulation, Insurance DivisionComplaint form25/50/25
South CarolinaSouth Carolina Department of InsuranceComplaint form25/50/25
South DakotaSouth Dakota Department of Labor & Regulation, Division of InsuranceComplaint form25/50/25
TennesseeTennessee Department of Commerce & Insurance, Insurance DivisionComplaint form25/50/25
TexasTexas Department of InsuranceComplaint form30/60/25 (from January 1, 2011)
UtahUtah Insurance DepartmentComplaint form30/65/25
VermontVermont Department of Financial Regulation, Insurance DivisionComplaint form25/50/10
VirginiaVirginia State Corporation Commission, Bureau of InsuranceComplaint form50/100/25
WashingtonWashington Office of the Insurance CommissionerComplaint form25/50/10
West VirginiaWest Virginia Offices of the Insurance CommissionerComplaint form25/50/25 (from January 1, 2016)
WisconsinWisconsin Office of the Commissioner of InsuranceComplaint form25/50/10
WyomingWyoming Department of InsuranceComplaint form25/50/20

*Bodily injury per person / per accident / property damage, in thousands of dollars.

Not sure whether an appraisal will help?

The claim review is free: we look at your situation and tell you whether an appraisal is likely to help. The appraisal itself is a paid report. We help from start to finish, including a custom demand letter, and our support staff is a phone call away throughout the process.