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How to File a Complaint to the Nevada Division of Insurance – Property Insurance Coverage Law Blog



The mission of the Nevada Division of Insurance ("NDI") is to "protect the rights of Nevada consumers in their experience in the insurance industry." 1 Its Department of Consumer Services responds to approximately 25,000 consumer inquiries each year and has won back millions of dollars for Nevada policyholders. 2 One of the core functions of the NDI's Consumer Services Section is to investigate consumer complaints about insurance companies, agents and adjusters. If your claim has been delayed, incorrectly rejected, deliberately underpaid or otherwise handled incorrectly, you can submit a complaint to NID and request an investigation.

To submit a complaint, visit the department's website and select "Submit a complaints "under the" Consumers "tab. To file a complaint online, you must create a consumer portal account by entering a valid home and email address, your name and contact information and creating a password. You can also print a complaint form and mail it to the NID office nearest you at 1

818 E. College Parkway # 103, Carson City, NV or 3300 W. Sahara Ave., Suite 275, Las Vegas, NV.

The complaint form requests your contact information, the name of the insurance company, agency or agent involved and the applicable insurance or claim number. It then asks for the reason for your complaint ( eg refusal of claim, incorrect presentation or an unsatisfactory settlement) with a brief explanation. The form also asks you to describe your desired solution so that NDI can determine how best to help you. You can ask NDI to keep records related to your complaint confidential by initialing a specified box on the form. If you start this box, the department will not be able to forward any documents you provide, including your complaint, to the insurance company involved, which may slow down the settlement process. Documents from a complaint will become part of the public register unless you specifically request that they be kept confidential.

Once you have received your complaint, NDI will send you a confirmation letter and contact your insurance company and request an explanation. The insurance company then has 28 days to respond with its side of the case. When NDI receives its response, a divisional officer will review all available information to determine if Nevada's law has been violated. If so, the department has the power to impose sanctions or disciplinary action against the criminal company or agent. If not, the head of department can still answer your questions and discuss other resources available to you.

NDI can not provide legal advice, act as your lawyer or order an insurance company to pay you. Its main task is to investigate, answer your questions and enforce state insurance laws. As its jurisdiction is limited, the division recommends that you first try to resolve any issues with your insurance company or agent. If you have any questions about the complaint process or would like to know if the Nevada Division of Insurance can assist you, you can call the Carson City office at (775) 259-0700; Las Vegas Office at or (702) 486-4009; or toll free at (888) 872-3234.

If you have any other questions or concerns about your insurance claim, do not hesitate to contact Merlin Law Group for a free case evaluation.
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1 Nevada Division of Insurance, About us (nd), https://doi.nv.gov/About-Us/ (retrieved November 3, 2021).
2 [149459 ] Nevada Division of Insurance, Consumers (nd), https://doi.nv.gov/Consumers/ (retrieved November 3, 2021).


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