The Office of the Montana State Auditor, Commissioner of Securities and Insurance (CSI) is committed to helping consumers resolve issues with insurance companies and protecting them from fraudulent practices. Filing a Montana Insurance Commissioner Complaint ensures that your concerns about insurance coverage, claims, or agent misconduct are reviewed and addressed by the Commissioner’s office. As a criminal justice agency, the office also investigates and prosecutes fraud related to insurance and securities.
How to File a Montana Insurance Commissioner Complaint
1. File Online
The easiest way to file a complaint is through the Montana Insurance Commissioner’s Online Complaint Form. This allows you to submit your concerns directly to the office for review.
2. File by Phone
If you prefer to discuss your issue over the phone or have questions about the complaint process, call the Commissioner’s office at 800-332-6148.
3. File by Mail
Download the Montana Insurance Commissioner Complaint Form (PDF), complete it, and send it to the address provided on the form.
Types of complaints the Commissioner can handle
The Commissioner handles most insurance problems involving home, business, auto, health, life, etc. Those problems may include coverage issues, claim disputes, premium problems, sales misrepresentations, policy cancellations, and refunds, just to name a few. The Commissioner will also investigate all complaints against insurance agents, adjusters, and consultants.
The Commissioner’s office can assist consumers with appeals of denied health insurance claims. Read the Commissioner’s guide to internal appeals and external review for more information. If you have questions about appealing a denied claim, please call the Commissioner’s office at 800-332-6148.
Actions the Commissioner CANNOT take on your behalf
- Act as your legal representative or give you legal advice;
- Intervene in a pending lawsuit, on your behalf;
- Consult with you if you are represented by an attorney unless we have your attorney’s written permission;
- Recommend an insurance company, producer or policy;
- Identify another person’s insurance company;
- Resolve a dispute between you and your insurance agent or company when the only evidence is your word against the word of the producer or company;
- Make medical judgments;
- Determine the value of damaged or stolen property or conclude who was at fault for an accident;
- Establish the facts surrounding a claim (such as who is being truthful when there are differing accounts of what happened);
- Investigate an insurance complaint filed by a medical service provider, contractor, auto repair shop or any other outside party without the written authorization of the consumer; or
- Address plans that the Commissioner has no regulatory authority over, including MMIA (Montana Municipal Insurance Authority) and rental car agencies.
NOTE: If the Commissioner’s office does not have authority over your complaint, you will be referred to the proper authority. If you have questions about the types of complaints the Commissioner has the authority to resolve, please call 800-332-6148.
Additional Contact Information for Specific Complaints
- Federal employees’ health plan and life insurance — Call: 1-202-606-1800
- Medicare Advantage or Medicare Part D — Call: 1-800-633-4227
- Medicaid — Call: 1-800-362-8312
- State Fund workers compensation — Call: (406) 444-1574
- Worker’s compensation claims disputes — Call: (406) 444-1574
- Self-funded employee health benefit plans — Call: 1-866-444-3272
- State-sponsored, self-insured health plan for teachers and state employees — Call: (406) 444-7462
- Any self-insured governmental plans — Call your employer
Filing a Montana Insurance Commissioner Complaint provides consumers with a straightforward way to address disputes with insurance companies or agents. The Commissioner’s office offers comprehensive support to ensure compliance with Montana laws and to resolve legitimate concerns. Whether filing online, by phone, or by mail, the CSI is ready to assist and provide guidance for your insurance-related issues.
For links to other state insurance complaint processes, visit our Insurance Commissioner Complaints by State page.
