If you believe your insurer handled a claim unfairly, you can file a complaint with the California Department of Insurance. The Department regulates insurers and can help resolve disputes that you cannot settle directly.
When to file
File after attempting to resolve the issue directly with your insurer. Common reasons include claim denial without clear justification, unreasonable delays, or an unsatisfactory settlement offer. See filing a claim for the steps that come first.
What to include
Include your policy number, claim number, a timeline of communications, and the outcome you are seeking. The Department reviews the complaint and may request additional information from the insurer.
