File a Insurance Company Complaint
Consumer complaints against insurance companies must be received in writing.
- You may file a complaint using our Online Consumer Complaint Portal.
- You may print off our Insurance Complaint Form and mail or fax the completed form to the Consumer Services Division.
The Online Consumer Complaint Portal is the preferred & most efficient method of filing a complaint.
Attn: Consumer Services Division
311 W. Washington Street, Suite 300
Indianapolis, IN 46204-2787
- Your complaint is processed within 72 hours of receipt.
- You will receive a confirmation letter from the Consumer Services Division acknowledging the receipt of your complaint. On this confirmation letter your problem report number is listed along with your Consumer Consultants name that is handling your file. Please refer to this Problem Report number for any further correspondence to the Divsion regarding your complaint.
- Your complaint along with a letter from the IDOI is mailed to the insurance company the complaint is against. By Indiana law, the insurance company has 20 business days to respond in writing back to the IDOI.
- After receipt of the response, the IDOI will send you a copy of the company's response along with our response or recommendation.
- Your complaint will be kept on file at the Department of Insurance and will become a public record.
Jurisdiction of IDOI
The IDOI has the authority to regulate (i.e. license, review rates and policies, review financial statements, investigate complaints, conduct examinations and issue orders/penalties) all insurance companies, producers, premium finance companies, motor clubs and HMO's that are licensed to conduct business in Indiana.
Generally, Indiana law does not apply to insurance contracts (or policies) issued in other states. For example, if your policy was issued in Ohio, then Ohio law and not Indiana law applies to your coverage. In these instances, you will need to contact the Regulator in that state for assistance.
In addition, employer self-funded plans also fall outside of the agency's jurisdiction. Self-funded plans are those where your employer pays for your medical expenses, rather than contracting with a health plan to do so. The U.S. Division of Labor regulates self-funded plans, and therefore, has the authority to investigate and resolve complaints against such plans.
The IDOI does not have jurisdiction over federal programs such as the Federal Employee Health Benefit Program (FEHBP), Medicare, Medicaid, HIP, Workers Compensation and Social Security. Please contact the appropriate regulatory authority for additional information on these programs.
To regulate the insurance industry and cut down on fraudulent activity the IDOI and the NAIC ask that any suspected fraudulent activity regarding insurance brokers, insurance companies, or insurance plans be reported.
If you have been a victim or have witnessed Insurance Fraud, please contact the NAIC.
For information regarding fraudulent insurance activity in Indiana, please contact:
Steven A. Embree, M.A.
Deputy Commissioner, Agency Services