The Virginia State Corporation Commission (SCC), created in 1902, regulates the state insurance industry to ensure compliance with all applicable laws. 1 One way the SCC does this is to investigate consumer complaints against insurance companies, agents and adjusters. . If you believe that your insurance claim or insurance has been delayed, incorrectly denied, intentionally underpaid or incorrectly handled, you can file a complaint with the SCC and request an investigation into the matter.
Before filing a complaint, SCC encourages consumers to first try resolve disputes directly with your insurance company. SCC can 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 about your policy or claims process and investigate complaints to ensure that your company, adjuster or agent complies with all state laws, ordinances and policies.
To file a complaint, visit SCC's website and select "Submit a complaint" under the "Consumer" tab. This will take you to a web page with links to various SCC forms. If you want to submit your complaint online, select "Submit an insurance complaint online" under the section "Insurance companies and agents". This will take you to the SCC Consumer Portal Login, where you will need to create an account by entering a valid home and email address, your name and contact information and creating a password. Once you have created your account, you can fill out and submit your complaint online, upload supporting documentation (such as your policy or correspondence with your company) and check the status of your complaint throughout the investigation.
You can also submit a complaints by post or fax. To access a printable complaint form, click on "Read more about filing a complaint involving an insurance company" under "Insurance Companies and Agents" on the SCC Complaints page. You should then select "Submit a complaint by mail or fax" and choose either property and damage or life and health depending on the type of insurance your complaint applies to. Once you have made your choice, you will have access to a printable complaint form.
The complaint form requests your contact information, the name of the insurance company, agency or agent involved and the applicable insurance or indemnity number. You should also include details of what you think your company or agent did wrong and a description of what you think a fair solution would be. Completed complaints and copies of any supporting documents can be sent by mail to P.O. Box 1
Within one week of receipt your complaint, SCC will contact you with a number assigned to your complaint. It will also contact your insurance company and request an explanation. The SCC will review the company's response, along with any information you provide, to determine if there has been a violation of state laws, ordinances or your policy. Once a decision has been reached, SCC will contact you with a summary of its results. If a law has been violated, the SCC has the power to impose fines or sanctions on the criminal company, agency or agent. If not, it can still answer your questions and recommend any further action you may take. The whole process generally takes about 45 days.
Navigating your insurance claim or insurance policy can be frustrating and confusing. Virginia & # 39 ;s SCC is there to answer your questions, advocate for your rights, and ensure that insurance companies follow the rules. If you have questions about the complaint process or would like to know if SCC can assist you, call (877) 310-6560 or email AskAQuestion@scc.virginia.gov. 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 State Corporation Commission, About Us (nd) https://www.scc.virginia.gov/pages/About-the-SCC, (retrieved November 4) 2021).