Rhode Island policyholders in connection with their delay, denial, and recoverable insurers may seek assistance in the claim process by filing a complaint with the Rhode Island Insurance Division.
A person who believes that it has breached the insurance legislation (s) and / or regulation (s) may file a written complaint to the insurance department. All complaints must be in writing and signed by the creditor.
Electronic forms can be found on the Division's website.
A complete insurance application form and copies of attachments must be sent to the insurance department by email (DBR.Insurance@dbr.ri.gov) or by post to:
State of Rhode Island and Providence Plantations
Department of Business Regulation – Insurance Department
1511 Pontiac Avenue, Building 69-2  Cranston, RI 02920
Fax number (401) 462-9602
Phone number (401) 462-9520
All complaints filed are dealt with in accordance with the insurance department's internal complaint review process. Upon receipt of the written complaint, the insurance department will make a first determination with regard to position and jurisdiction. The insurance department then sends a receipt letter to the complainant who informs that the department is examining the issue and will contact the complainant when the situation justifies. The complaint along with attachments is sent to the insurer mentioned in the complaint for reply. Once the insurance department has completed its examination, a letter will be sent to the complainant stating the department.
The insurance department will only accept complaints filed by the individual applicant, the applicant's related family member (spouse, parent, sibling or fall) on behalf of the plaintiff, the applicant's lawyer has entered into law in Rhode Island or an executor and / or or administrator or other court-authorized legal representative of the plaintiff's property.
All disputes about the conditions and the provisions of the policy must be resolved between the insurer and the plaintiff if the dispute is not covered by law or regulation. The division's authority is limited to jurisdiction matters in accordance with Rhodeland's general laws.
The division assures that it does not have the power to settle or divorce claims or to establish liability or that an insurer should claim. Nothing in the complaint shall be deemed to prohibit the insurer or plaintiff from seeking legal proceedings.
Before submitting complaints, the division recommends that policyholders first contact the insurer mentioned in the complaint to resolve the issues. If the answer is not satisfactory, the application form must be submitted with copies of important documents relating to your complaint, eg. letters, e-mail and other communications, eg statements from the insurance company, explanations of benefits and decisions on appeal, between you and the insurance company or agent regarding your complaint register explaining how the claims payments were calculated a copy of your insurance policy or insurance certificate Property loss forms, vehicle assessments, police reports and any additional information you consider relevant to complaint. Do not send original documents .
If additional problems arise or if you need legal advice, please contact our lawyers.