Louisiana Insurance Commissioner Complaint Information
The Louisiana Department of Insurance
The Louisiana Department of Insurance receives, on average, more than 3,600 insurance-related complaints every year. That means that every year we help thousands of Louisiana residents get the insurance payments and other benefits and services due to them. Each year, millions of dollars are received by policyholders across the state who have requested assistance from the LDI. This brochure is intended to make filing an insurance complaint easier for you. It gives a step-by-step explanation of how you can get a complaint form, how to file a complaint and what help you can expect from us once you’ve filed your complaint. Helping you negotiate your insurance disputes is one of the most important services we provide. I hope you find the tips we have included here helpful should you need to file an insurance complaint.
The best way to file the complaint is through the insurance commissioner’s website:
https://www.ldi.la.gov/onlineservices/ConsumerComplaintForm
Mail or Fax form:
Louisiana Department of Insurance Complaint Form – pdf
Before you begin, you should have the following ready (if applicable):
- Your insurance card
- Your insurance information including Claim Number, Insurance Company name, Agent’s name, and/or Adjuster’s name
- Your policy information (Policy Number) and a description of your problem
- Your claim number
- Any electronic documents you would like to attach to your complaint (You will have the opportunity to attach documents once your complaint is successfully submitted)
What the Louisiana Department of Insurance can do for you:
- Protect you by enforcing Louisiana’s insurance laws
- Provide you with consumer information
- Investigate your complaints against companies, agents, or adjusters
What the Department of Insurance cannot do for you:
- Give you legal advice, act as your lawyer or interfere in a pending lawsuit
- Recommend one insurance company, agent, or adjuster over another
- Decide disputes based on who is negligent or at fault
- Determine the facts surrounding a claim (that is who might be telling the truth in a matter when accounts of that matter differ)
- Resolve a complaint if the only evidence is your word against the word of others
What happens after the Department of Insurance receives my complaint?
1. Typically, within a week of receiving your complaint the Louisiana Department of
Insurance will send you an acknowledgment letter or email noting:
• Your file number
• The name of the compliance examiner in charge of investigating your complaint
2. The Department of Insurance will send a copy of your complaint to the company or other
appropriate party and ask for an explanation of its position.
3. Your examiner will review all responses received to assure the problem has been
properly addressed. This may result in more letters or phone calls between the examiner,
the company and other parties.
4. Your examiner will send you a letter with the investigation results:
• If no evidence of a violation is found, the examiner will so advise and explain why the
investigation is being closed.
• If your examiner is not satisfied with the company’s response, the investigation will
continue.
• If the Louisiana Department of Insurance asserts that the law has been violated, the
Department will pursue administrative action to correct and punish the wrongdoer.
How will I know how the investigation is going?
• The average complaint takes approximately 45 days to investigate fully. Because of
the unique nature of each complaint, your complaint may be completed in a much
shorter time frame or, in some rare instances, take considerably longer.
• If you have any new information, put it in writing. Include your file number and send
it to your examiner.
Additional Contact Information:
General Information: 1-800-259-5300 or 1-800-259-5301
Direct Telephone Numbers: (225) 342-5900
General Mailing Address:
Louisiana Department of Insurance
P.O. Box 94214
Baton Rouge, LA 70804
Physical Address:
1702 N. Third Street
Baton Rouge, LA 70802
