If you are displeased with how a LA insurance company has handled your car accident claim, you can file a complaint against it with the Louisiana Department of Insurance (LDI). It’s important to recognize an insurer, agent, or even a claims adjuster when they aren’t providing you with quality service or aren’t handling your claim fairly. The LDI does allow individuals to file their complaint online which makes submitting it easier on you.
Now, before you file your complaint, it is important that you recognize the following:
While the LDI will protect you as it has the ability to enforce Louisiana’s insurance laws and investigate your complaint, it cannot:
- Provide you with any sort of legal advice or serve as a legal representative for you.
- Make decisions regarding disputes on who is negligent or at fault.
- Determine the facts surrounding a claim such as who is telling the truth and who is not.
- Resolve a complaint “if the only evidence is your word against the word of others.”
With that in mind, we do encourage you to consider contacting the Jones Law Firm to speak with Alexandria LA car accident claim attorney Davey Jones who can assist you with getting your issue resolved. The reality is, insurance companies, despite the fact that you file a complaint against it, may still refuse to settle your claim resulting in you losing out on a significant amount of compensation that could potentially cover medical expenses, injuries, and more.
What should I expect after I file my complaint with the LDI?
After the LDI receives your complaint, you can expect to receive an acknowledgment letter within a week or so containing the following information:
- A file number that has been assigned to your case.
- The name of the compliance examiner who has been assigned to investigate your complaint.
Aside from sending you an acknowledgment letter, the LDI will also forward a copy of your complaint to the insurer and request an ‘explanation of its position.” Insurance companies do tend to have lawyers representing them for things like disputes or complaints so they could potentially have their attorney, who is well-versed in disputing allegations, respond to the complaint you submitted. Once the LDI receives a response, your examiner will review it to determine what stance it takes on your complaint.
You can then expect a letter from your examiner that will provide you with the outcome of their initial investigation which will be one of three things:
- The LDI found no evidence that supports the allegations you made against the insurer and will proceed to close the investigation.
- The examiner was dissatisfied with how the company responded and will continue with the investigation.
- The examiner has determined that the insurer has violated a law and the “department will pursue administrative action.”
Generally, the LDI takes about 45 days to complete an investigation so don’t be surprised if takes a few weeks to receive a final disposition on your complaint.
Now, we did mention that it would wise to consult with a car accident lawyer in Alexandria, LA if you are experiencing an issue with an insurance company regarding an accident claim. So, if you would like to schedule an initial consultation with our firm to find out what legal services we offer and how we can help you recover the maximum amount of compensation you are entitled to receive, call us today.
You can call or visit the Jones Law Firm at:
1330 Jackson Street
Alexandria, LA 71301