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Departments of Insurance

BEFORE PURCHASING a policy, learn a potential insurance company's track record for handling claims. Each state has a Department of Insurance (DOI), which is responsible for handling consumer complaints about alleged unfair sales or claims tactics.

AFTER FILING a claim, if you are having difficulty resolving it, learn whether your state prohibits insurance companies from engaging in "unfair practices" when handling claims.

If you have a complaint against your insurance company, begin by:

  • Contacting Insurance Consumers for information or referrals.

  • Filing a complaint with your State Department of Insurance.

Please keep in mind however, that the DOIs may have inadequate funding and the employees may be often under-trained or over-worked. Some DOIs have admitted to throwing away thousands of valid consumer complaints because it did not have the manpower or funding to investigate and handles every complaint.

State Departments of Insurance

Links (updated May 2004)

A / B / C / D / E / F / G / H / I / J / K / L / M / N / O / P / Q / R / S / T / U / V / W / X / Y / Z

 

Alabama

Alabama
http://www.aldoi.gov/

201 Monroe Street, Suite 1700
Montgomery, AL 36104

Mailing Address:
P O Box 303351
Montgomery, AL 36130-3351
(334) 269-3550
(334) 241-4192 (fax)

Alaska
http://www.dced.state.ak.us/insurance/

Juneau
Alaska Division of Insurance
9th Floor State Office Building
Juneau, AK 99811-0805

Mailing Address:
P.O. Box 110805
333 Willoughby Avenue
Juneau, AK 99801

(907) 465-2515
(907) 465-3422 (fax)
e-mail: insurance@dced.state.ak.us

Anchorage
3601 C Street, Suite 1324
Anchorage, AL 99503-5948

(907) 269-7900
(907) 269 7910 (fax)

Arkansas
http://www.state.ar.us/insurance/

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201-1904

(501) 371-2600
(501) 371-2618 (fax)
(800) 282-9134

Arizona
http://www.id.state.az.us/

Phoenix:
Arizona Department of Insurance
2910 North 44th Street, Suite 210
Phoenix, AZ 85018-7256
(602) 912-8400, 8444
(601) 912-8452 (fax)
e-mail: info@id.state.az.us

Tucson:
Arizona Department of Insurance
400 West Congress, Suite 152
Tucson, AZ 85701
(520) 628-6371

(800) 325-2548 Statewide number
(602) 912-8414 Insurance Fraud Unit

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California
www.insurance.ca.gov

San Francisco
California Department of Insurance
Consumers Communications Bureau
45 Freemont Street, 23th Floor
San Francisco, CA 94102
(415) 538-4040
(415) 904-5889 (fax)
Sacramento
300 Capital Mall, 15th Floor
Sacramento, CA 95814
(916) 492-3500
(916) 445-5280 (fax)
e-mail: ombudsman@insurance.ca.gov

Los Angeles
Ronald Reagan Building
300 South Spring Street, South Tower
Los Angeles, CA 90013
(800) 927-HELP
(213)897-8921 (LA and outside CA)
927HELP@insurance.ca.gov

Colorado

Colorado
http://www.dora.state.co.us/insurance/
Denver, CO 80202
(303) 894-7499
(303) 894-7455 (fax)
(800) 930-3745
nancy.ryan@dora.state.co.us

Connecticut
http://www.state.ct.us/cid/

Connecticut Insurance Department
153 Market Street, 11th Floor
Hartford, CT 16103

Mailing address:
Insurance Department
P.O. Box 816
Hartford, CT 06142-0816

(860) 297-3802
(860) 566-7410 (fax)

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Delaware

http://www.state.de.us/inscom
Dover
Rodney Building
841 Silver Lake Boulevard
PO Box 7007
Dover, DE 19903-1507

Wilmington:
1st Federal plaza
710 North King Street
Wilmington, DE 19801

(302) 739-4251
(302) 739-5280 (fax)

District of Columbia
http://disr.dc.gov/

810 First Street, N.E.
Suite 701
Washington, D.C. 20002
(202) 727-8000 x3018
(202) 535-1196 (fax)

Florida
http://www.fldfs.com/

Tallahassee
Florida Department of Insurance
200 East Gaines Street
Tallahassee, FL 32399-0300
(830) 413-3100
Consumer Helpline: 1.800.342.2762

Jacksonville
9000 Regency Square Boulevard, Suite 201
Jacksonville, FL 32211
(904) 727-5505

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West Palm Beach
400 North Congress Ave., Suite 210
West Palm beach, FL 33401
(561) 681-6392

Pensacola
160 Government Center, Suite 515
Pensacola, FL 32501
(904) 444-8040

Tampa
5309 E. Fowler Avenue
Tampa, FL 33617
(813) 987-6741

Ft. Myers:
2295 Victoria Avenue, Suite 163
Ft. Myers, FL 33901
(941) 332-6948

Tallahassee
200 East Gaines Street, Suite 531
Tallahassee, FL 32399-0321
(904) 922-3132

Daytona Beach
1104-H Beville Road
Daytona Beach. FL 32114
(904) 254-3920

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Ft. Lauderdale
499 Northwest 70 Ave, Suite 301-B
Plantation, FL 33317-7574
(954) 327-6027

St. Petersburg-Largo
11351 Ulmerton Road, Suite 240
Largo, FL 33778
(813) 588-3638

Orlando
400 West Robinson Street, Suite N-401
Orlando, FL 32801
(407) 245-0870

Miami
401 Northwest 2nd. Ave., Suite N-307
Miami, FL 33128
(305) 377-5235

Georgia
http://www.gainsurance.org/

Office of Insurance and Safety
West Tower, Suite 704
Atlanta, Georgia 30334
Main Telephone: 404-656-2070
Toll Free: 800-656-2298
Fax: 404-657-8542

Hawaii
http://www.state.hi.us/dcca/ins/

State of Hawaii Insurance Division
335 Merchant Street
Honolulu, HI 96813
(808) 586-2790

Idaho
http://www.doi.state.id.us/

700 West State Street
P.O. Box 83720
Boise, ID 83720-0043
208-334-4250

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Illinois
http://www.ins.state.il.us/

320 W. Washington Street
Springfield, IL 62767-0001
217/782-4515

Chicago
100 West Randolph
Suite 15-100
Chicago, IL 60601
(312) 814-2427
(312) 814-5433
(312) 814-2603 (TDD)

Indiana
http://www.ai.org/idoi/index.html

Department of Insurance
311 W. Washington St. Suite 300
Indianapolis, IN 46204-2787
(317) 232-2385

Iowa
http://www.iid.state.ia.us/

330 Maple St.
Des Moines, IA 50319-0065
Des Moines Area: 515-281-5705
Toll Free: 877-955-1212
Fax: 515-281-3059

Kansas
http://www.ksinsurance.org/

Kansas Insurance Department
Attn: Consumer Assistance Division
420 SW 9th Street
Topeka, Kansas 66612-1678
1-800-432-2484

Kentucky
http://doi.ppr.ky.gov/

Kentucky Department of Insurance
215 W. Main St.
Frankfort, Kentucky 40601
(800) 595-6053

Louisiana
http://www.ldi.la.gov/

Louisiana Department of Insurance
1702 N. 3rd. Street
Baton Rouge, LA
1-800-259-5300 (in state)
(225) 342-5900

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Maine
http://www.maineinsurancereg.org/

Maine Bureau of Insurance
#34 State House Station
Augusta, ME 04333-0034
(800) 300-5000 (in state)
(207) 624-8475

Maryland
http://www.mdinsurance.state.md.us/

Maryland Insurance Administration
525 St. Paul Place • Baltimore, MD
21202-2272
410-468-2000
1-800-492-6116 (toll free) •
1-800-735-2258 (TTY)

Massachusetts
http://www.state.ma.us/doi/

Division of Insurance
One South Station, 5th Floor
Boston, MA 02110-2208
(617) 521-7794

Michigan
http://www.michigan.gov/cis

Michigan Insurance Bureau
611 W. Ottawa
P.O. Box 30004
Lansing, MI 48909 Ph: (517) 373-1820

Minnesota
http://www.commerce.state.mn.us/

Department of Commerce- Insurance Division
85 7th Place East, Suite 500
St. Paul, MN 55101
651-296-4026
651-296-2860 (TTY)
651-297-1959 FAX
general.commerce@state.mn.us

Mississippi

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Mississippi Insurance Department
1804 Walter Sillers Building
501 North West St.
Jackson, MS 39201
Mailing Address
P.O. Box 79
Jackson, MS 39205
(601) 359-3569
(800) 562-2957 (toll free in state)
(601) 359-2474 (fax)
e-mail inquiries click here

Missouri
http://www.insurance.state.mo.us/

Jefferson City
301 West High Street
P.O. Box 690
Jefferson City, MO 65102

(573) 751-4126
(800) 726-7390 (Consumer Hotline)
(314) 526-4536 (TDD)
(573) 751-1165 (fax)
e-mail: mdicons@mail.state.mo.us

St. Louis
Wainright Building, Suite 229
111 N. 7th Street
St. Louis, MO 63101-2176
(314) 340-6830

Kansas City
State Office Building, Room 510
615 East 13th Street
Kansas City, MO 64106-2829
(816) 889-2381

Montana
http://www.sao.state.mt.us/

Montana Insurance Division
Mitchell Building, Room 270
126 North Sanders
Helena, MT 59601

(406) 444-2040
(800) 332-6148
(406) 444-3497 (fax)

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Nebraska
http://www.nol.org/home/NDOI/

Nebraska Department of Insurance
941 "O" Street, Suite 400
Terminal Building
Lincoln, NE 68508-3690

(402) 471-2201
(402) 471-4610 (fax)
TDD: (800) 833-7352

Nevada
http://doi.state.nv.us/

Carson City / Reno
Nevada Division of Insurance
1665 Hot Springs Road, Suite 152
Carson City, NV 89710
(775) 687-4270
(775) 687-3937 (fax)

Las Vegas
2501 East Sahara Avenue, Suite 302
Las Vegas, NV 89158
(702) 486-4009
(702) 486-4007 (fax)
e-mail: insinfor@doi.state.nv.us

New Hampshire
http://www.nh.gov/insurance/

New Hampshire Insurance Department
56 Old Suncook Road
Concord, NH 03301-5151

(603) 271-2261
(800) 852-3416
(603) 271-1406 (fax) e-mail: Requests@ins.state.nh.us

New Jersey
http://www.state.nj.us/dobi/index.html

Department of Banking and Insurance
20 West State Street
P.O. Box 325
Trenton, NJ 08625-0325

(609) 292-5360
(609) 984-5273 (fax)

New Mexico
New Mexico Department of Insurance
PERA Building
Santa Fe, NM 87501

Mailing address
P.O. Box 1269
Santa Fe, NM 87504-1269

(505) 827-4601
(505) 827-0326 (fax)
(800) 947-4722 (Toll Free)

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New Mexico
http://www.nmprc.state.nm.us/insurance/inshm.htm

P.E.R.A. Building
1120 Paseo de Peralta
P.O. Box 1269
Santa Fe, NM 87504-1269
Phone: (505) 827-4601
Fax: (505) 827-4734

New York
http://www.ins.state.ny.us/

State Insurance Department
Consumer Services: (800) 342-3736
Insurance Fraud Hotline: (888) FRAUD-NY
TDD: (800) 220-9250
General Home / Auto Hotline: (800) 522-4370
Consumer Coastal Home Insurance Hotline (800) 300-4593
Agents & Brokers Coastal Home Insurance Hotline (800) 300-4576
Health Care Provider Hotline (800) 358-9260

New York City
25 Beaver Street
New York, NY 10004-2319
(212) 480-6400
(800) 342-3736
(212) 480-2310 (fax)
e-mail: consumers@ins.state.ny.us

Albany
Empire State Plaza
Agency Building No. 1
Albany, NY 12257
(518) 474-6600
e-mail: consumers@ins.state.ny.us

Buffalo
Walter Mahoney Office Building
65 Court Street
Buffalo, NY 14202
(716) 847-7619
e-mail: consumers@ins.state.ny.us

Syracuse
620 Erie Boulevard West, Suite 105
Syracuse, NY 13204
(315) 423-1102

Oneonta
Road 4, Box 51E
Oneonta, NY 13820
(607) 433-0108

North Carolina
http://www.sips.state.nc.us/DOI
Department of Insurance
Dobbs Building
430 North Salisbury Street
Raleigh, NC 27603

Mailing address
P.O. Box 26387
Raleigh, NC 27611

(919) 733-7343
(800) 546-5664
(919) 733-6495 (fax)

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North Carolina
http://www.ncdoi.com/

North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201

800-JIM LONG (800-546-5664)
919-733-2032
consumer@ncdoi.net

North Dakota

Public Information Officer
State Capitol, Fifth Floor
Bismarck, ND 58505
701.328.2440 - phone
701.328.4880 - fax
e-mail: insuran@state.nd.us

Ohio
http://www.ohioinsurance.gov/
Department of Insurance
2100 Stella Court
Columbus, OH 43215-1067

Consumer Hotline: 1-800-686-1526
Fraud Hotline: 1-800-686-1527
(614) 644-3743 (fax)
TDD: (614) 644-3745

Oklahoma
http://www.oid.state.ok.us/

Oklahoma City
Oklahoma Insurance Department
3814 North Santa Fe
P.O. Box 53408
Oklahoma City, OK 73152-3408
(405) 521-2686
(405) 521-6652 (fax)

Tulsa
3105 E. Skelly Drive, Suite 305
Tulsa, OK 74127
(918) 747-7700
(800) 728-2906

Oregon
http://www.cbs.state.or.us/external/ins/index.html

Consumer and Business Services, Insurance Division
300 Winter Street NE, Room 200
Salem, OR 97310-0200

(503) 947-7980
(800) 728-2906
(800) 843-8086 (Spanish Language Line)
(503) 378-4351 (fax)

Pennsylvania

Harrisburg
Pennsylvania Insurance Department
1326 Strawberry Square
Harrisburg, PA 17120
(717) 787-2317
(717) 772-8585 (fax)
e-mail: consumer@ins.state.pa.us

Philadelphia
Room 1701, State Office Building
1400 Spring Garden Street
Philadelphia, PA 19130
(215) 560-2630
(215) 560-2648
TDD: (215) 560-2471

Pittsburgh
Room 304, State Office Building
300 Liberty Avenue
Pittsburgh, PA 15222
(412) 565-5020
(412) 565-7648
TDD: (412) 565-2376

Erie
808 Renaissance Center
10th & State Streets
P.O. Box 6142
Erie, PA 16512
(814) 871-4466
(814) 871-4888
TDD: (814) 871-4897

Puerto Rico
P.O. Box 8330
Fernandez Juncos Station
Santurce, PR 00910-8330

(787) 722-8686
(787) 722-4400 (fax)

Rhode Island
Rhode Island Insurance Division
233 Richmond Street, Suite 233
Providence, RI 02903-4233

(401) 277-2223
(401) 751-4887 (fax)

South Carolina

Department of Insurance
1612 Marion Street
Columbia, SC 29201

Mailing address:
P.O. Box 100105
Columbia, SC 29202-3105

(803) 737-6160
(803) 737-6205 (fax)

South Dakota

South Dakota Insurance Division
500 E. Capitol
Pierre, SD 57501-5070
(605) 773-3563
(605) 773-5369 (fax)

Tennessee

Department of Commerce and Insurance, Division of Insurance
Volunteer Plaza
500 James Robertson Parkway, 5th Floor
Nashville, TN 37243
(615) 741-1900 or 2241
(615) 741-4000 (fax)
e-mail: melam@mail.state.tn.us

Texas

Department of Insurance
333 Guadalupe
Austin, TX 78701

Mailing address:
P.O. Box 149104
Austin, TX 78714-9104

(512) 463-6169
(512) 475-2005 (fax)
e-mail: PIO@tdi.state.tx.us

Utah

Utah Insurance Department, Consumer Services Division
State Office Building, Room 3110
Salt Lake City, UT 84114-6901

(801) 538-3800
(801) 538-3829 (fax)

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Vermont

Department of Banking, Insurance, Securities & Health Care Administration
Insurance Division
89 Main Street, Drawer 20
Montpelier, VT 05620-3101

(802) 828-3301
(800) 964-1784
(802) 828-3306 (fax)
e-mail: consumercomplaints@bishca.state.vt.us (except health)

Virginia

Bureau of Insurance
P.O. Box 1157
Richmond, VA 23218

(804) 371-9741
(800) 552-7945 (Toll Free in State)
(804) 371-9206 (TDD)
(804) 371-9873 (fax)

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Washington

Washington Office of the Insurance Commissioner
Insurance Building (Capitol Campus)
14th Avenue & Water Street
Olympia, WA 98504

Mailing address:
Insurance Building (Capitol Campus)
P.O. Box 40255
Olympia, WA 98504-0255

(360) 753-7300 or 7301
(800) 562-6900 (Toll Free in State)
(360) 586-3535 (fax)

West Virginia

West Virginia Board of Risk & Insurance Managament
4501 MacCorkle Avenue S.W.
300 Ghannam Building
South Charlston, WV 25309
(800) 345-4669
(304) 766-2646
(304) 766-2653 (fax)

West Virginia Insurance Commission
1124 Smith Street
P.O. Box 50540
Charleston, WV 25305-0540
(304) 558-3354
(800) 642-9004
(304) 558-0412 (fax)

Wisconsin

Office of the Commissioner of Insurance
121 East Wilson Street
Madison, WI 53702

(608) 266-3585 (Madison)
(800) 236-8517 (Statewide)
(800) 947-3529
TDD: (608) 947-3529 (ask for 266-3586)
(608) 266-9935 (fax)
e-mail: information@oci.state.wi.us

Wyoming

Department of Insurance
122 West 25th Street
Herschler Building, 3rd Floor East
Cheyenne, WY 820020440

(307) 777-7401
(800) 438-5768
(307) 777-5895 (fax)
e-mail: wyinsdep@missc.state.wy.us

 

Author Ray Bourhis