Short answer
How do I file a complaint against an insurance company?
Start by contacting your insurer, explaining the problem, and asking for its decision in writing. If that doesn’t resolve it, file a complaint with the insurance department in the state where your policy was issued; most accept complaints online at no cost. Include your policy and claim numbers, a dated summary of what happened, what you have already done to fix it, and copies of important letters or emails.
Sources: NAIC — How to file a complaint and research complaints against insurance carriers · Reviewed Sep 13, 2026
How can I check if an insurance agent is licensed?
Look the agent up in your state insurance department’s license search using their name or license number. The results show whether the license is active and which types of insurance the agent can sell. Many states use a shared lookup run by the National Association of Insurance Commissioners. If you can’t find the agent or the license isn’t active, don’t buy through them, and contact your state insurance department.
Sources: NAIC State Based Systems — License lookup · Reviewed Sep 13, 2026
Links checked Sep 12, 2026 against each regulator’s own website. WhyInsurance.me is not affiliated with any state regulator.