For Consumers

Path of a complaint


Complaint received


We will send your complaint to the insurance company & ask them to respond to us regarding your issues

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Does OIC have jurisdiction?


We will let you know who can help

We will review your complaint to see if we are the right agency to help you


Contact company and present complaint


 Refer to the correct agency or entity
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We will ask for more information if needed and work with the company to address resolvable issues

Receive and review the company‘s response

It takes about 15 days from when we get your complaint to get information from the company and review it

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 Provide you with an explanation of the company's response & our review


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We will suggest steps you can take to resolve your issue if it is outside of our authority

We watch companies for trends in their conduct

Your complaint becomes part of the company’s record with our agency