( Note: This guest blog is by Liberty Ritchie, a Licensed Legal Trainee at our Oklahoma City office. " It carries out this mission by investigating consumer complaints against insurance companies, agents and adjusters to ensure compliance with Kansas State law. If you believe that your insurance claim or insurance has been delayed, deliberately underpaid or otherwise dishonestly handled, you can submit a complaint to KID and request an investigation into the matter. select "Submit a complaint" under the "Consumers" tab. This will take you to a page where you can fill out an online complaint or download a printable form to email the department at 1300 SW Arrowhead Rd., Topeka, KS 66604.
The form requests your contact information, the name of the insurance company, agency or agent involved, and applicable insurance or claim number. It then asks about the reason for your complaint ( ie claim delay, agent handling or an unsatisfactory offer.) Once you have selected a reason from the list, you have space to describe the details of your complaint. fully. This is where you can tell the department what the problem is, why you think it should be investigated and what you want your insurance company to do to solve the problem. Please note that under the Kansas Open Records Act, information you provide in the complaint becomes a public record and may be available to others.
Once you have filled in the form, you will receive a case number that you can use to check the status of your complaint later. You can also send documents that support your complaint (such as a copy of your policy) by fax to (785) 296-5806 or email to email@example.com. Be sure to include your case number in any documentation you submit.
A consumer representative will forward your complaint to the appropriate insurance company, adjuster or agent. The company is required by law to provide a statement of its position or practice within fifteen days of receipt of the complaint. When the representative receives the company's response, she reviews it to determine if there has been a violation of state laws, ordinances or your specific policy. The representative will then contact you with an explanation of KID's determination and to discuss possible solutions. The whole process takes thirty to forty-five days.
KID may not provide legal advice, act as your attorney or order an insurance company to pay you. Its main task is to investigate, answer your questions and apply state insurance laws. If you have questions about the complaint process or want to know if the Kansas Insurance Department can help you, you can call (800) 432-2484 (if you live in Kansas) or (785) 296-7829 (if you live abroad) if you have other questions or concerns about your insurance claim, do not hesitate to contact Merlin Law Group for a free case evaluation.