HOW TO FILE AN INSURANCE COMPLAINT
Insurance companies must be held accountable for all the evil and harm they cause. People who have a bad experience with an insurance company generally either hire a lawyer or just walk away with a bad deal. The problem is, if the insurance company's bad acts are not reported, they just keep doing it.
The Texas Department of Insurance is definitely not consumer-friendly. For the most part, it is dominated by insurance company insiders who pal around with the insurance industry. The TDI typically gives its approval to whatever the insurance industry wants to do. However, the TDI is still a governmental entity. And they have to follow certain rules.
One of the rules is they have to accept and record complaints that are filed against insurance companies and claims adjusters. A consumer can file a complaint online here. Those complaints are presumably investigated, but at the very least the complaint is reported in the annual "report card" that TDI gives to insurance companies when it publishes the list of insurance companies and shows the number of complaints filed each year. Here's the 2007 Automobile Complaint Index.
So don't be a sucker. File a complaint when the insurance compnay does not treat you fairly. And then immediately hire an injury lawyer.
