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How Do I Report a Bad Experience With an Insurance Company?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 06/16/2012

Reporting a bad experience with an insurance company is important to protect yourself and others.

All of us have had a bad experience with an insurance company at one time or another. If you haven’t, there will be one at some point in your life. There are different levels of bad experiences you can have and you are the only one that can determine if the experience is bad enough that you need to tell someone about it.

For example, a disagreement over a small refund may not be something that you want to waste your time and effort on. Whereas a situation where a tow truck that should have been called to come get you off the side of the road wasn’t, when you have towing coverage, needs to be escalated.

In the situation with the tow truck, the first step you need to take is to call the phone number you called with the insurance company for the tow truck and ask to speak with a manager. If a tow truck was supposed to be called and was not, this could very well be an issue with the call center representative. If you don’t get anywhere with the manager, contact your insurance agent about the bad experience.

After the agent there is really nowhere else to go in this situation as the next level up is your state Insurance Commissioner or Department of Insurance. Because the situation with the tow truck would be more of a customer service issue there is really nothing they can do. The only times that the Department of Insurance or Insurance Commissioner would get involved after a bad experience is in the event of fraud or illegal activity by the insurance company.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

Reviews (3)

  • Gladys Tussell

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    I recently had an accident where the other driver left the scene Allstate insurance sent me to their preferred collision repair center.1. That company gave me an estimate of $1500 maybe a bit over. When I showed the estimate to a family member the estimate had been changed to $They have a virtual system to help with paperwork. He was not able use this program. The next thing I get an update from an in house agent who did not meet me to assess the damage. He gives me an estimate of $693. 00 to repair. They then deducted my $500 collision deductible and paid me $193.00 to repair my car. I called them and advised I would not accep the small amount offered. They deposited $193 to my checking anyway.

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  • Ted Hartley

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    I had insurance with United Health they took it out of my disability check before I got my check and now they trying to get me to pay a bill that I don’t owe they have turned it over to a collector and it will go on my credit report

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    • Michele Wilmonen

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      I’m sorry, we are not able to answer health insurance questions.

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