Factors to consider when comparing complaints and shopping for insurance
- A complaint means someone disagreed with something the company did or didn't do. It doesn’t necessarily mean the company did anything wrong. Check into the outcome of a complaint to find out what actions our office took.
- A company may be new to the state and not have any records to compare.
- The volume of complaints may reflect the size of the company. You can find market share and premium volume information using the Office of the Insurance Commissioner's company complaint comparison tool.
- In general, are the complaints against the company for the same reason? For example, are most are regarding claim denials? Most companies have a wide variety of complaints, so complaints about the same issue could be a red flag.
- What type of coverage is the complaints about? For example, when looking at auto complaints, check to see if the complaint was submitted for private passenger or commercial auto coverage.
- Has the company broken any state insurance laws in the past two years?
- Is the company authorized to sell insurance in Washington state?