Please take a few moments to read the following information. We hope this will help you understand the NH Insurance Department's function with respect to consumer complaints.
The Insurance Department's primary responsibility is to enforce the insurance laws and rules of the state. Consistent with that responsibility, the Consumer Services Division (CSD) acts as an intermediary to help resolve problems between consumers and department licensees, which include insurance companies and insurance agents. The Department’s Consumer Service Officers (CSO’s) strive to satisfactorily reconcile grievances and mediate disputes; and with more than 100 years of insurance industry experience, the Department’s CSO’s take great pride in their ability to assist consumers.
After reviewing your complaint, if the CSO assigned to your case determines the Department has the jurisdictional authority to intervene on your behalf, he/she will forward your complaint to the appropriate licensee for a response. By law (RSA 400-A:15 III), a licensee must provide its response to the Department within ten business days of receipt. If the complexity of the complaint requires additional time for the licensee to respond, an extension may be granted. Be assured, however, the Department will work diligently to ensure that your concerns are addressed as quickly as possible.
Also, please be aware that while the Department’s CSO's will do everything within their regulatory authority to facilitate a consumer friendly resolution, the Insurance Department is not always able to negotiate the remedy you desire.
If the issues of your complaint do not fall within the jurisdiction of the Insurance Department, your CSO will attempt to determine which federal or state agency does have jurisdictional authority and will refer your complaint to that agency, and will inform you of the referral by letter.
If, after submitting your complaint, you have any questions, issues or concerns, do not hesitate to contact a CSO, toll free, at 800-852-3416.
Online Consumer Complaint Form –Electronic Version
Paper Complaint Form - This is form is intended to be downloaded and printed for completion and mailed or faxed to the New Hampshire Insurance Department.