The Louisiana Department of Insurance receives an average of over 3,600 complaints each year from consumers who are dissatisfied with how they have been treated by their insurance provider. 1 If you live in Louisiana and believe that your insurance claim or insurance has been delayed, incorrectly denied or intentionally underpaid, you can file a complaint with the LDI and request an investigation.
To file a complaint, visit the department's website and select "Submit a complaint" under "How do I …?" section. You then select "I am a consumer". The LDI website is very user-friendly and leads you to a video and a helpful step-by-step guide to go through the archiving process. LDI recommends that you file a complaint online, but also allows you to call 1
In the complaint form, your contact details, the name of the insurance company, agency or agent involved and the applicable insurance or claim number are requested. It then asks about the cause of your complaint and a description of your problem. The description should include details of what happened, who was involved, why you think the company was wrong, your efforts to solve the problem on your own and what you think a fair solution would be. After you have submitted your complaint, LDI also recommends that you send copies (not originals) of relevant documentation, such as your policy, your application and correspondence between you and your company.
Within one week of receiving your complaint, LDI will send you a letter confirming receipt and assigning you a file number and compliance check. Your compliance examiner will also send a copy of your complaint to your insurance company and ask for an explanation. Once the company has responded, your compliance reviewer will review all information to ensure that no rules or laws have been violated. The reviewer then sends you a letter explaining his determination and recommending any next steps for you to take.
LDI can not provide legal advice, act as your lawyer, interfere in an ongoing lawsuit or order an insurance company to pay you. Nor can it resolve factual disputes. Its main task is to investigate, answer your questions and apply state insurance laws. If you have questions about the complaint process or want to know if the Louisiana Department of Insurance can help you, you can call them at (225) 342-5900. If you have other questions or concerns about your insurance claim, do not hesitate to contact Merlin Law Group for a free evaluation of cases.
(Note: This guest blog is by Liberty Ritchie, a Licensed Legal Intern at our Oklahoma City office)
1 Jim Donelon, in en försäkringsklagomål Louisiana Department of Insurance, (nd), https: //www.ldi .la.gov / docs / default-source / documents / publicaffairs / consumerpublications / file-a-klaga.pdf? sfvrsn = 4