Georgia state law allows certain parties to seek damages against insurers acting in bad faith. Bad faith claims often arise in relation to first-party insurance claims, but state law does provide a legal remedy for certain third-party claimants.
The Consumer Services Department is the investigative arm of OCI. Our job is to ensure fair and equitable dealings between insurers, agents, and policyholders. If you have a complaint about your insurance provider or agent, or how a claim is being handled, we may be able to help you resolve the issue.
File a Complaint with Your State's Insurance Department: If your insurer continues to be uncooperative, you can file a formal complaint with your state's Department of Insurance. They will investigate whether the insurance company is handling your claim fairly and within legal guidelines.
John F. King | Office of the Commissioner of Insurance and Safety Fire.
The Office of Insurance and Safety Fire Commissioner licenses and regulates insurance companies, investigates reports of insurance fraud, and inspects buildings to prevent fire.
You must prove that the insurance company has a legal duty to you as a policyholder. You must prove that the insurance company breached that duty. You must prove that the insurance company's actions caused harm. You must prove that the insurance company's actions are the proximate cause of the harm.
In Georgia, individuals that have had their claims denied can sue their insurance company if they denied their claim in bad faith or in breach of contract. While the same conduct can be used to show bad faith and breach of contract, they are distinct claims.
Popular Insurance Companies with the Most Complaints AAA (15.46) Allstate (3.55) USAA (2.62) Liberty Mutual (2.23) Farmers (1.07)