When you live in North Carolina and are experiencing problems with an insurance company, it is best to try and resolve the matter with the insurance company before seeking outside intervention. If your attempt to resolve the matter with the insurance company remains unfruitful, you can get assistance from the North Carolina Department of Insurance (NCDOI). The NCDOI will review the matter to determine if a company is in compliance with North Carolina statutes. If the insurance company is in violation of the state's statutes, NCDOI will require the company to correct the matter.
Visit the NCDOI website. Click the “Insurance Consumers” tab. Select the option to “File A Complaint.”
Select the bottom link that is labeled “Continue To Consumer Complaint Form.”
Complete the online form by entering information such as your name, contact information, insurance company name, policy number, policy type, claim number (if applicable) and the details of your complaint.
Click the “Submit” button to submit your complaint online. If you have supporting documents that you would like to submit with the form, do not click “Submit.” Instead, click the “Print” option to print a hard copy of your completed form. Mail the hard copy of the form and your supporting documents to North Carolina Department of Insurance, 1201 Mail Service Center, Raleigh, NC, 27699-1201.
Telephone the “Consumer Services Division” at (919) 807-6750 between the hours of 8 a.m. to 4:45 p.m., Monday through Friday, if you would like to file your complaint over the telephone. A live representative will assist you with filing your complaint.