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How to file a complaint to the Office of the Insurance Commissioner in the State of Washington Law Insurance Blog on Real Estate Insurance



( Note: This guest blog is by Liberty Ritchie, a licensed legal practitioner at our Oklahoma City office. protects consumers and ensures that companies and producers follow the rules. “One of the ways OIC does this is by investigating complaints against agents, agencies and other insurance licensees. According to their website, the office answers questions and investigates complaints from over 100,000 consumers each year.

If you live in Washington State and feel that your insurance company does not handle your claim properly or respects your insurance properly, you can file a complaint with the OIC. The complaint form can be found on the OIC website under the "For Consumers" tab by selecting "Complaints and Appeals" and then clicking "Submit a Complaint." There are three different types of complaints about your insurance company, your agent or agency or your healthcare provider. Make sure you choose the right one so that OIC knows exactly how to proceed.

In general, all forms ask for your contact information and information about your insurance such as your insurance number, your agent or adjuster and your lost date. Then you have space to describe your question and what you want the insurance company to do about it. The completed form and any documentation supporting your complaint (such as your policy) can be sent online or sent to P.O. Box 40255, Olympia, WA 98504-0257. Please note that, under Washington law, most information you provide to the OIC will be public, with the exception of social security numbers, driver's license numbers, financial account numbers, and non-public personal health information. OIC asks you to keep this in mind when providing personal information in your complaint.

When the OIC receives your complaint, it sends a request to the insurance company and asks it to explain the situation. The insurance company has 1

5 days to respond to this request and explain its side of the story. After OIC receives this answer, it will evaluate all information from you and the company to determine if OIC has the authority to help you or not. If not, it will still try to refer you to other government agencies or resources that may be able to. In that case, it may require the insurance company to provide more documentation or investigate the methods that caused your problem. Throughout the process, your OIC agent will keep in touch to explain your insurance company's position and communicate possible next steps and solutions. You can also check your complaint status on the OIC website. If you are not sure that OIC can help you, you can call 800-562-6900 or chat with an agent online.

The OIC's main purpose is to enforce the Washington State Insurance Act and advocate on behalf of policyholders. When the office determines that an insurance company or an employee has violated state law, it has the power to impose fines or suspend or revoke licenses. Otherwise, the insurance companies may require you to respond to your complaint and explain their position regarding your claim, go through the claims process or point you in the direction of other useful resources. It can not order companies to pay you, give you legal advice or make actual decisions – you need a lawyer or judge for that. The attorneys at Merlin Law Group are available to listen to your problem and see if they can help.


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