The Insurance Department encourages consumers who have a concern or complaint against an insurance company or insurance licensee to submit their concerns or complaints to the Department’s Consumer Affairs Division.

In addition to licensing insurance companies, the Department issues licenses and therefore has jurisdiction over the following: Insurance Producers (Agents), Casualty Adjusters, Certified Insurance Consultants, Fraternal Agents, Motor Vehicle Physical Damage Appraisers, Public Adjusters, Reinsurance Intermediaries, and Surplus Line Brokers.

The Connecticut Insurance Department's online complaint system can be reach at https://www.cid-online.ct.gov/ccf/

The Consumer Affairs Division requires that concerns or complaints be submitted in writing; however, an email sent to cid.ca@ct.gov or call to 800-203-3447 or 860-297-3900 can initiate the complaint process.  Submit the written complaint and supporting documents to the following address:

State of Connecticut Insurance Department
Consumer Affairs
P.O. Box 816
Hartford, CT 06142-0816

The information sent to the Department should be as complete as possible. You should write a complete description of your concern or complaint. The description should include

• Your name, address, telephone number, email address,
• The insurance company’s name,
• Type of policy and policy number,
• Claim number if applicable,
• And the name of any other licensee you have a complaint about.

For your convenience, a complaint form (pdf 60 kb)(rtf 286 kb, fill-in format) can be downloaded to assist you in including all the pertinent information. The written complaint is necessary so that the examiner assigned to the complaint can get a clear understanding of the facts.

The complaint process

The Division is divided into three units. One handles Property/Casualty, one handles Life/Annuity and the other Accident/Health complaints. This division of responsibility is in place to ensure that the consumer will receive attention from examiners with specialized knowledge who can best address their concerns.

The examiner assigned to the complaint will send you an acknowledgment that the complaint has been received and is under review. The acknowledgment letter will contain a File Number. Please keep a copy of the letter and the File Number so that if you need to contact the Department concerning your complaint you can refer to the letter with the examiner’s name and the File Number.

The examiner at the same time will send a copy of the complaint to the insurance company and any other licensee involved in order to obtain their response. After a response is received from the company and/or other licensees, the examiner will determine how the complaint can best be resolved.

If you have any general questions about insurance, you are welcome to call the Consumer Affairs Division of the Insurance Department. The telephone numbers are (860) 297-3900 or 1-800-203-3447.