About ND Insurance Department Questions
What does the North Dakota Insurance Department do?
The North Dakota Insurance Department regulates the insurance industry in the state, ensuring companies follow the law and treat consumers fairly. We also assist consumers with complaints, provide guidance on insurance-related issues, and promote consumer education.
How can the Insurance Department help me if I have an issue with my insurance company?
If you have a dispute with your insurance company, you can file a complaint with us. We will review your case, communicate with your insurer, and work to resolve issues related to claim denials, delays, or unfair practices.
Does the Insurance Department sell insurance?
No, we do not sell insurance or recommend specific companies or agents. However, we provide resources to help you make informed decisions and ensure that insurance companies operating in North Dakota comply with state laws.
How do I check if an insurance agent or company is licensed in North Dakota?
You can verify an agent’s or company’s license by visiting our website or contacting our office. It’s important to work with licensed professionals to ensure you are protected under North Dakota insurance laws.
Consumer Protection & Assistance Questions
What should I do if my insurance claim is denied?
First, review your policy and the denial letter to understand the reason. If you believe the denial is unfair or incorrect, contact your insurer for clarification. If the issue is unresolved, you can file a complaint with the North Dakota Insurance Department, and we will investigate the matter.
What types of insurance complaints does the Department handle?
We handle complaints related to auto, home, health, life, and other types of insurance. This includes issues like claim denials, payment delays, policy cancellations, and deceptive practices by insurance companies or agents.
Does the Insurance Department offer any assistance for seniors on Medicare?
Yes! We provide Medicare assistance through the State Health Insurance Assistance Program (SHIP). Our counselors offer free, unbiased guidance to help seniors understand Medicare options, enroll in plans, and address coverage issues.
General Insurance Information for Consumers
What should I consider when shopping for insurance?
Compare policies from multiple insurers, check company ratings and reviews, understand coverage limits and exclusions, and verify that the company and agent are licensed in North Dakota. Be sure to read the fine print before signing any policy.
What types of insurance are required in North Dakota?
In North Dakota, auto insurance is required for all drivers, including liability coverage. Health insurance is not legally required but is strongly recommended. Homeowners insurance is not mandatory by law, but mortgage lenders typically require it.
What should I do if my home or car is damaged in a natural disaster?
Contact your insurance company as soon as possible to file a claim. Take photos of the damage, keep receipts for any temporary repairs, and follow your insurer’s guidance on next steps. If you encounter problems with your claim, the Insurance Department can help.