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How to File a Complaint to the South Dakota Department of Labor and Regulation – Property Insurance Coverage Law Blog



The Division of Insurance in the South Dakota Department of Labor and Regulation ("SDDOI") strives to "protect the public and make insurance available and affordable." 1 One of its main functions is to answer consumer questions and investigate consumer complaints. If you believe that your claim has been delayed, unfairly rejected or otherwise mishandled, you can file a complaint to SDDOI and request an inquiry.

Before filing a complaint, SDDOI encourages consumers to contact the entity first, as it may be your best chance to get the problem resolved satisfactorily. SDDOI 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.

The South Dakota Department of Labor and Regulations website is a bit confusing. To make a formal complaint, click on "Insurance" and then on "Submit a complaint" under the section "Resources for consumers" on the Insurance Department's website. This will take you to a web page that describes the complaint process. To actually access the complaint form, you must click on the "Submit a complaint" button on SDDOI's website again. This will take you to the SDDOI Consumer Portal Login. To submit 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 send it to SDDOI at 1

24 Euclid Ave., 2nd Floor, Pierre, SD 57501.

The complaint form itself is quite simple. It 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. You should also describe the desired solution so that SDDOI can determine how best to help you.

Once you have received your complaint, SDDOI will assign your case an identification number for the problem report and send you a confirmation letter. If the department needs more information to begin its investigation, the confirmation letter will request additional documentation. SDDOI will then contact your insurance company and request a written explanation within 20 days. When SDDOI receives the insurance company's response, the department will review all available information to determine if there has been a violation of South Dakota law. If so, the department has the power to impose sanctions or disciplinary action against the criminal company or agent. If not, the department can still answer your questions and discuss other possible solutions. In any case, the department will send you a letter informing you of its outcome.

To find out more about the complaint process or to find out if the South Dakota Division of Insurance can help you, call (605) 773 -3563 or email insurance@state.sd.us with your questions. If you have any other questions or concerns about your insurance claim, do not hesitate to contact the Merlin Law Group for a free case evaluation.
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1 South Dakota Dept. of Labor and Regulation, Division of Insurance; Our Mission (n.d.), Https://dlr.sd.gov/insurance/default.aspx, (retrieved November 4, 2021).


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