what is an insurance commissioner?

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Nell Dipiero: you're description is extraordinarily puzzling - yet once you the two have been on the comparable highway, and at an intersection you made a left and he or she made a suitable, you're able to desire to have yielded - considering you have been turning left, and he or she probable had a eco-friendly easy. First you're saying you hit the female next to you, once you swerved out because of this different female, then you quite say that the female next to you, hit you. Which one? harm on the autos will needless to say teach whether or no longer the front of your bumper hit the back of her bumper. that's a no brainer. on your twi! st of destiny description, 3 autos have been area via area, for the time of three lanes. Police do no longer confirm fault. The coverage commissioner, additionally, does not confirm fault. The coverage commissioner is who you call into play, once you think of YOUR coverage corporation violated the words of YOUR coverage. if your coverage corporation won't bypass after her coverage corporation for you, then you quite will ought to take her to courtroom. it quite isn't an coverage commissioner concern, except you purchased assurance on your injuries below your coverage, and your coverage corporation denied your declare....Show more

Zora Mazzie: An insurance commissioner is someone who heads up the government office in your state, that makes sure insurance companies do what they're supposed to do. Yes, they can enforce policy terms and conditions.

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Pasty Cobbett: To clarify: the Insurance Commissioner is the senior individual that is responsible for over-seeing the insurance laws that apply to your State. That office makes sure all insurance contracts (policies) contain all legal provisions, definitions and schedules.However, if you have a problem with an insurance payment after filing a claim, the Commissioner's office might be your last resort. They are really busy with "big" stuff and probably are really slow when handling an individual's problem.I would suggest you contact one of the many consumer assistance agencies, or groups. Sometimes, your local TV station has a "watch-dog" reporter that gets involved in interesting cases. The local city hall may have some info, as might the library.Good luck....Show more

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Barrett Zheng: An insurance commissioner is an executive office in many U.S. states, some in the state cabinet. The office differs state by state. In some states insurance commissioner is a constitutional office established by state constitution; in other states the office was created by state statute.In some states the insurance commissioner is an elected official; in other states they are appointed by the state governor.In some states the insurance department or division is autonomous; in other states such a department is part of a larger body.The National Association of Insurance Commissioners (NAIC) is a professional association for these individuals....Show more

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Lawanna Livsey: You can Google your state name, and “insurance commissioner” to find the web site in your state. I live in Minnesota. I got this web site: http://mn.gov/commerce/insurance/Your state may have an Unfair Claims Practices law, or something similar. This establishes certain standards of behavior of any insurance company operating in your state. Like, they are required to respond to correspondence within 10 business days, they have 30 days to complete their investigation, or 5 days to inspect your smashed car, and so on. If you have a problem with a claim, sometimes they can help you, but only if it involves a violation of the law, such as the Unfair Claims Practices law. Typically, they have an enforcement division that helps to sort out those kinds of violations. However, they do not have the authority to tell the insura! nce company how much to pay on a claim. And if the insurance company has decided to deny a claim, and if there is reasonable justification for doing so, the insurance commissioner’s office does not have the authority to tell the insurance company that they should pay the claim rather than deny the claim. So it really depends on the nature of your dispute. The insurance commission is not intended to replace the court system. So most disputes have to go through the courts.I had a problem with Progressive Insurance when they unfairly denied my auto accident claim, and they would not listen to reason. And the adjuster refused to let me speak to his supervisor or claim manager, and refused to even tell me their names. I wrote a scathing letter to the insurance commissioner pointing out at least 5 violations of the Unfair Claims Practices law. A few days later, the Progressive supervisor called, and suddenly they wanted to pay 100% of my claim right now. The insurance c! ommissioner has the authority to penalize the insurance company for any! violations. In Minnesota a few years back, State Farm was found to be making some late payments on PIP medical, and the insurance commissioner decided to audit a bunch of files, and ended up fining State Farm $775,000. State Farm was so ticked off, that they moved their regional office from St. Paul, Minnesota to Nebraska. And the scuttlebutt was that the excessive fines were part of their reason for leaving the state. (I worked at State Farm as an independent contractor for about a year.)...Show more