The North Dakota Insurance Department ("NDID") regulates insurance companies and provides and promotes "the public by fairly and efficiently administering the laws of North Dakota." 1 One way to do this is by investigating consumer complaints about errors from insurance companies, agencies and agents. If you think your claim has been delayed, unfairly rejected or otherwise mishandled, you can file a complaint with NDID and request an inquiry.
Before filing a complaint, NDID encourages consumers to first try to resolve disputes directly with their insurance company. NDID may not act as your legal representative, make assessments of facts regarding your claim or order an insurance company to pay you. It can answer questions you have about your insurance or claims process. If you file a complaint, it can investigate to ensure that your company, adjuster or agent complies with all applicable laws, regulations and policies.
If you have already tried to resolve your business issue and failed, you can file a complaint online on the NDID website by selecting "Complaints" under the "Consumers" tab. Under "How to file a complaint", click on "Consumer complaints". You may get a pop-up window requesting permission to navigate from the NDID website. If you accept, you will be taken to the online consumer complaint form. You can fill out the form online or print it out and send it to the NDID Consumer Assistance Division at 600 E Boulevard Ave, Bismarck, ND 58505.
The form requests your contact information, the name of the insurance company, agency or agent involved and the applicable policy or claim number . It also asks for the reason for your complaint and a description of what you think a fair solution would be. Once you have described why you are filing a complaint, you have the opportunity to attach relevant documents such as copies of your insurance, your claim and all correspondence exchanged with your company or agent. You can email these documents to firstname.lastname@example.org, fax them to (701
Once your complaint and supporting documentation has been submitted, NDID will contact your insurer and request an answer. Once a response has been received, NDID will review it to ensure compliance with all applicable laws and regulations. It will then notify you of its results. If your company, agent or adjuster has violated the law or policy, NDID has the power to impose fines or penalties. If no violations are found, NDID can still answer your questions and guide you through other options available to you.
Navigating your insurance claim or insurance can be frustrating and confusing. NDID is there to answer your questions, advocate for your rights and ensure that insurance companies follow the rules. If you have any other questions or concerns about your insurance claim, please do not hesitate to contact the Merlin Law Group for a free case evaluation.
1 North Dakota Insurance Department, Mission (nd) https://www.insurance.nd.gov/mission, (retrieved Nov., 2021).