- 1). Call your state's insurance commissioner's office, or visit their website. Each state maintains an insurance commissioner's office. The job of the insurance commissioner is to regulate the insurance industry in that state.
- 2). File a report with the insurance commissioner's office. The office of the insurance commissioner will generally accept reports from consumers through the commissioner's website. However, if you are contacting the commissioner's office directly, you can file a claim over the phone in many states. Typically, your report is tape recorded if you are calling by phone.
- 3). Wait for the commissioner to respond. The commissioner's office may take 30 to 60 days to respond. When you file your report, you will to be notified by the commissioner's office as to the expected wait time until you hear back from the commissioner's office.
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