(Note: This guest blog is by Liberty Ritchie, a licensed legal practitioner at our Oklahoma City office)
Arizona Department of Insurance (ADI) “helps insurance consumers resolve disputes within the department's jurisdiction, and … Investigate obvious violations of Arizona law. “Specifically, ADI's Investigation Department examines consumer complaints about misconduct by insurance companies, agencies and agents, and the Market Surveillance Department examines broader corporate marketing and claims. If you believe that your claim has been delayed, unfairly rejected or otherwise handled poorly, you can file a complaint with the ADI and request an investigation.
Before filing a complaint, you should know that the ADI's authority is largely limited to enforcing the Arizona Insurance Act. It can not act as your legal representative, make facts about your claim or ask an insurance company to pay you. It can always answer questions you have about your policy or the claims process. If you file a complaint, it may also require your company to respond and review the response to see if the company or individual is complying with applicable laws, regulations and policies.
With this in mind, you can file a complaint online or by submitting the appropriate form to the ADI offices at 1
Once your complaint and documentation has been submitted, it will be assigned to an ADI specialist. Your specialist will send a copy of the complaint to the company or agent and request a response. The specialist will review the answer along with any information you have provided to determine if there has been a violation of state laws, ordinances or your policy. If a law has been violated, ADI has the power to impose fines or sanctions on the infringing company, agency or agent. If the specialist determines that no laws have been broken, she will contact you to inform you of her decision, explain how she achieved it and discuss other possible solutions with you.
Navigating your insurance claim or insurance policy can be frustrating. and confusing. ADI 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 regarding your insurance claim, do not hesitate to contact Merlin Law Group for a free evaluation.
1 Arizona Department of Insurance and Financial Institutions, Filing a Complaint (nd), https: // insurance.az.gov/complaint.