Filing a Complaint Against an Insurance Carrier
How to file a complaint with the Georgia Department of Insurance against a carrier mishandling your claim.
When to file a complaint
File a complaint when a carrier: misses acknowledgment or decision deadlines, denies your claim without citing policy language, fails to respond to your communications, misrepresents your coverage, or pressures you to accept an unreasonably low settlement.
Who to file with in Georgia
The Georgia Office of Insurance and Safety Fire Commissioner (OCI) regulates all insurers licensed in the state. They have authority to investigate carriers, impose fines, and require corrective action.
File a complaint with the Georgia OCI →
What to include in your complaint
- Carrier name, your policy number, and claim number
- Date of loss and a brief description of what happened
- Timeline of all communications with the carrier (dates, names, content)
- Copies of denial letters, settlement offers, and any written correspondence
- A clear statement of what you believe the carrier did wrong
- What resolution you are seeking
What happens after you file
The OCI will notify the carrier and request a response. Most carriers respond promptly to OCI complaints — a formal complaint often resolves issues that months of phone calls could not. The OCI typically provides you with the carrier's response and a determination within 30–60 days.
What a complaint cannot do
The OCI can discipline carriers and require them to reopen claims, but they cannot award damages or force a specific settlement. For monetary recovery beyond the covered loss — including bad faith penalties — you need an attorney and potentially civil litigation.