The Mississippi Insurance Department (MID) seeks to "impartially enforce laws and regulations" relating to the insurance industry. 1 It does this in part by examining and investigating consumer complaints about its insurance companies and agents. . If you live in Mississippi 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 into the matter.
Visit the department's website and select "Submit a Complaint", located on the "Consumers" tab. You will then be asked to choose whether you want to file a complaint against your insurance agent or company. Complaints can be sent online via Consumer Portal Login, which requires you to create an account with your name, email address and password. If you do not want to create an account, you can download and print a PDF form. You can fax your completed form to MID at 601
The complaint form requests your contact details, the name of the insurance company or the agent concerned and the applicable policy or claim number. It then asks what type of coverage it is, the reason for your complaint and a description of your problem. The description should be detailed and describe what happened, who was involved, why you think the company was wrong and what you think a fair solution would be. In order for the form to be processed, you must fill in all the requested information and the form must be signed and dated. After you have submitted your complaint, MID also recommends that you send copies (not originals) of relevant documentation, such as your policy, your application and correspondence between you and your company. All supporting documents must be e-mailed, faxed or sent to MID within two working days after the complaint has been submitted.
After MID receives your complaint, it will send a copy to your insurance company or agent requesting an explanation. Your company or agent has twenty days to respond to this request. The MID will then review all available information to determine if state laws or regulations have been violated. In that case, it may sanction or fine the infringing entity. If not, it can answer your questions and recommend other resources to you. In any case, MID will notify you in writing of its results.
MID can not provide legal advice, act as your lawyer, resolve factual disputes or order an insurance company to pay you. Its main task is to investigate, answer your questions and apply state insurance laws. If you have questions about the complaint or want to know if the Mississippi Insurance Department can help you, you can call them at (800) 562-2957 or (601) 359-2453. If you have any other questions or concerns about your incorrectly denied, delayed or underpaid insurance claim, do not hesitate to contact Merlin Law Group.
(Note: This guest blog is by Liberty Ritchie, a licensed legal intern) at our Oklahoma City office)
1 About Us Mississippi Insurance Department, (nd ), http://www.mid.ms.gov/about/mission.aspx