Gap Insurance Claims: Report To Nc Commissioner?

If you have a complaint or concern about an insurance company in North Carolina, you can contact the North Carolina Department of Insurance. The Consumer Services Division of the North Carolina Department of Insurance aims to respond promptly, clearly, and courteously to consumers' insurance-related questions and complaints, and assist consumers in resolving those complaints. The Department of Insurance can be contacted via phone at 855-408-1212 or by mail at:

North Carolina Department of Insurance

1201 Mail Service Center

Raleigh, NC 27699

The North Carolina Department of Insurance can help with insurance-related complaints

The department can forward a copy of your complaint to your insurance company and require the company to provide a response or explanation. They can also review the company's response to ensure compliance with applicable North Carolina laws and policies. If the company's position is found to be non-compliant, the department can require them to take corrective action.

Additionally, the North Carolina Department of Insurance can help you understand your insurance policy and recommend courses of action to resolve your problem if they do not have the authority to resolve it themselves. For example, if your situation involves a health plan's non-certification decision, they can refer you to the Department of Insurance's Healthcare Review Program (HCR Program) for guidance.

The department pledges to seek fair treatment for all parties in insurance transactions and can be reached at 855-408-1212 (toll-free). Their address is: North Carolina Department of Insurance, 1201 Mail Service Center, Raleigh, NC 27699.

File a complaint with the North Carolina Consumer Protection Division

If you have a problem with a business in North Carolina, you may wish to file a consumer complaint with the North Carolina Consumer Protection Division. The Division helps citizens with some kinds of scams and frauds and offers tips on how to avoid scams. If the Division cannot help you, they will often be able to make other suggestions about where you may be able to get help.

You can file a complaint online or call 1-877-5-NO-SCAM for assistance. You can also file a complaint via hard copy by calling the consumer assistance line at (919) 716-6000, and they will mail you a complaint form.

First, choose the consumer complaint form that fits your problem. Next, enter the information into the form and submit it electronically. You can attach up to four supporting documents. Please copy and mail any additional supporting documents along with a printed copy of your complaint.

The North Carolina Consumer Protection Division cannot give you legal advice or provide legal representation to individual consumers. The Division generally doesn't get involved in matters that are scheduled or have already been heard in a court of law or closed by the agency with proper jurisdiction.

Contact the North Carolina Utilities Commission for utility-related complaints

If you have a complaint about a utility company in North Carolina, you may be able to get help from the North Carolina Utilities Commission. The Commission helps resolve disputes with utility companies, and can often keep the utility company from stopping your service while the complaint is being investigated.

The Commission covers issues related to telephone service providers, electricity, natural gas, motor carriers (movers), and water and sewer. However, it does not regulate municipal utility systems, broadband and internet providers, cable or satellite television providers, or wireless phone providers or propane.

If you have a complaint about a utility company that is regulated by the Commission, you should first contact the company about any mistakes in your bill. If you are unable to resolve your complaint with the utility company, you can then contact the Commission's Consumer Services Division. You can reach the Consumer Services Division by calling (919)-733-9277 or toll-free at (866)-380-9816, or by emailing [email protected].

If you are still not satisfied with the response, you can file a formal written complaint with the North Carolina Utilities Commission. Your complaint letter should include the following information:

• Your full name, mailing address, telephone number during regular business hours, and electronic mailing address.
• The name and contact details of any attorney representing you.
• The name and contact details of the utility company your complaint is about.
• A clear and concise statement of the issue, including any relevant laws, rules, or regulations you believe the utility company has violated.
• The action you would like the Commission to take to resolve your complaint, and why you believe this action is reasonable.
• Whether you are at risk of having your utility service disconnected, and whether you would like the Commission to order the utility company to refrain from disconnecting your service until the complaint is ruled on.

Your complaint letter should be signed and dated, with 15 copies sent to the Commission. The Commission cannot accept complaints that are emailed or faxed. The mailing address for the Commission is:

North Carolina Utilities Commission

Attention: Chief Clerk

4325 Mail Service Center

Raleigh, North Carolina 27699-4300

The North Carolina Commissioner of Banks handles issues with banks

The NCCOB's mission is to promote and maintain the strength and fairness of the North Carolina financial services marketplace through the supervision and regulation of financial service providers. The NCCOB website provides a range of resources and services to help consumers with their financial concerns.

If you have a problem with your bank in North Carolina, you can contact the North Carolina Commissioner of Banks for assistance. The Commissioner's website provides information and resources to help consumers with their banking-related issues. You can also call the Commissioner's office at (919) 733-3016.

It is important to note that the North Carolina Commissioner of Banks is not the only resource available to consumers with financial concerns. The North Carolina Consumer Protection Division also handles consumer complaints and can be contacted online or by calling 1-877-5-NO-SCAM. Additionally, the North Carolina Department of Insurance assists consumers with insurance-related issues and can be reached at (855) 408-1212.

The North Carolina Department of Insurance can help locate a lost life insurance policy

If you suspect that a deceased loved one had a life insurance policy or annuity contract that you are having trouble locating, the North Carolina Department of Insurance (NCDOI) can help. The NCDOI offers assistance to anyone who needs help with insurance-related issues.

The National Association of Insurance Commissioners (NAIC) also provides a free online Life Insurance Policy Locator (LIPL) tool to help consumers find lost life insurance policies and annuity contracts. This tool is available to anyone and can be accessed by going to naic.org, hovering over 'Consumer', and clicking 'Life Insurance Policy Locator' under 'Tools'. After logging in and agreeing to the process, you will need to enter your name and address and submit a search request by entering the deceased's information from their death certificate, including their Social Security number. If a policy is found and you are the beneficiary, the life insurance or annuity company will contact you directly.

In addition to the NAIC tool, several states offer free locator services through their insurance departments. These state-specific locator services apply only to policies purchased in those states. If you encounter any issues, you can always contact your state insurance department for assistance.

To avoid the hassle of having your loved ones search for a lost life insurance policy after your death, the NAIC recommends the following:

• Update your beneficiary information and ensure your company and agent have current contact details for all listed beneficiaries.
• Alert your beneficiaries of the policy and provide them with the name of your agent and the company that wrote the policy.
• Keep a current copy of your policy with your will or estate paperwork in a safe place where your family or beneficiaries can access it.
• Consider asking your insurance company for an annual policy statement if one is not provided.

Frequently asked questions