Once they've done some comparison-shopping to find the best auto insurance rates, many people don't give their car insurance policy a second thought. However, if you need to file an insurance claim after an auto accident, you may find that you are having problems dealing with your agent. If you can't resolve the issue, consider filing a complaint about your auto insurance company with your state.

Most states have regulatory agencies that oversee the activities of car insurance companies that are licensed to do business within the state.

For example, the New York State Insurance Department oversees the activities of insurance companies, brokers, agents, and adjusters within the state. You can file an online complaint form by visiting their website. In Iowa, the Iowa Insurance Division enforces state insurance laws, investigates complaints, and requires companies to conduct a reasonable investigation of all insurance claims.

Hiring an Insurance Attorney

Depending upon the severity of your complaint, you may want to consider hiring an insurance lawyer. An insurance attorney can help you with the necessary paperwork for your complaint while acting as an advocate for your interests during any legal proceedings with your insurance company.

Check your local phone book to find attorneys in your area, and then plan on scheduling preliminary meetings with three or four insurance lawyers. It's important to pick an experienced attorney who makes you feel comfortable, as you will be working closely together. There should be no charge for an initial consultation, although you will want to get a detailed outline of how the attorney you select will bill for his services.