The Consumer Assistance Division provides the public with insurance information and assistance and investigates consumer requests for assistance (RFA) or complaints.

Before filing a RFA/complaint:

Important: If you did not live in Oklahoma when you purchased the policy, please contact the state in which you lived at the time of purchase.

View a map of Insurance Departments

• Contact your insurance company and request an explanation.
• Make sure you have provided all information requested by the company.
• If you are concerned about the handling of a health insurance claim, ask what appeal and external review procedures are available to you. External Review Process

If you are not satisfied with the company’s response to your concerns, you may consider filing a RFA/complaint. Be prepared to summarize your issue, so people who are not familiar will be able to understand.

What the Oklahoma Insurance Department cannot do:

• Order the company to pay your claim or refund premium.
• Decide who was at fault in an accident.
• Act as a court of law or provide legal advice.
• Recommend an agent, company, or products.
• Identify an insurance company with whom a particular person may hold a policy.
• Establish the facts surrounding a claim (for example: who is being truthful when there are conflicting reports of a situation).
• Determine the cause of loss, the value of a claim, the amount owed to you, or act as your adjuster.
• Address issues the Department can’t legally enforce.

How filing a RFA/complaint with the Oklahoma Insurance Department can help:

• A RFA/complaint provides a fresh objective evaluation by individuals with the insurance expertise and usually prompts a new review at the insurance entity.
• The process allows an opportunity to provide additional understanding and documentation if it was missing.
• RFAs/complaints allow the Oklahoma Insurance Department to evaluate whether an insurance company has complied with Oklahoma law.

File a RFA/complaint:

After you have read your policy and your claim has not been handled appropriately, you can submit a RFA/complaint to the Oklahoma Insurance Department.

The forms below should be used for RFAs/complaints with auto, home, commercial, life and health, service warranty, title insurance or workers’ compensation.

You must do the following:

• • Fill out the form completely, (see options below)
  • Sign the form,
  • Give us as much information as possible, and
  • Provide copies of all policies, riders, letters, phone logs, etc.

If you have a third party filing a complaint on your behalf, you must fill out the Appointment of Authorized Representative Form below, including your signature and the signature of the Authorized Representative.

Please note that Oklahoma law keeps all RFA/complaint files closed to public inspection. Please complete the RFA/complaint form in its entirety.

Kindly print out and send us your request for assistance/complaint by mail or fax with supportive documentation.

Mailing address (include supportive documentation)
OKLAHOMA INSURANCE DEPARTMENT
400 NE 50th St.
Oklahoma City, OK 73105

Fax number (include supportive documentation)
(405) 521-6652

If you have a Bail Bond complaint, please fill out the Bail Bond Complaint form.
Bail Bond Complaint Form with Instructions

After you file a complaint:

• Once received at the Oklahoma Insurance Department, your file will be assigned to the appropriate Consumer Assistance/Claims Analyst, who will send you an acknowledgment letter.
• We will then contact the company for a detailed explanation of its position. By law, the company has twenty (20) days from receipt of our letter to respond.
• There may be some unforeseen delays if the company needs time to gather additional information in order to fully address your concerns. If this occurs, your Consumer Assistance/Claims Analyst will keep you informed of the status of your file.
• Once a final response is received and reviewed, your Consumer Assistance/Claims Analyst will forward a letter of explanation.