File a Complaint

The Consumer Services Section of the Nevada Division of Insurance assists with all consumer inquiries. We can help clarify your policy and address any questions regarding claims or insurance companies.

We encourage all consumers facing difficulties to resolve their issues directly with their insurance company and/or agent. Consumers are welcome to submit a formal complaint if these efforts do not result in a satisfactory outcome. An investigator will be assigned to the case and will work with the consumer, insurance company, and/or agent to help resolve the issue.

If the issue cannot be resolved with your insurance company, please file your complaint online using our secure and easy-to-use customer portal.

Confidentiality

The Consumer Services unit protects Nevada policyholders, and anyone interested in Nevada insurance policies. When you submit a complaint to us, your information will remain private.

All consumer complaints are handled confidentially. According to NRS 679B.190 (3), all investigations conducted by the Commissioner are considered confidential. Additionally, you have the option to keep your complaint confidential.

Public Records Request

If your complaint becomes part of a public records request, the Nevada Division of Insurance will ensure that all personally identifiable information is redacted before releasing your records.

If your complaint is marked confidential and is included in a public records request, the record will not be produced and will remain confidential.

Records Retention for Consumer Complaints

Retain these records for three (3) calendar years from the close or resolution of the case. Disposition: Destroy records securely.

File Your Complaint Online

Alternatively, you can print a copy of the complaint form and mail it to the nearest Division of Insurance office.

Examples of Complaints Addressed by the Nevada Division of Insurance

Improper denial or delay in settlement of a claim
Alleged illegal cancellation or nonrenewal of an insurance policy
Problems concerning insurance premiums and rates
Alleged misconduct by an agent or broker (misrepresentation, theft of premiums, etc.)
Problems related to Bail and Bail Agencies or Agents.
Problems relating to medical necessity of a treatment, an experimental or investigational therapy for certain medical conditions, or a claim denial for emergency or urgent medical services.

The Division does not provide legal representation or legal advice. If you are already represented by an attorney, or already have a legal action pending regarding the circumstances of your complaint, the Division may not be able to further pursue your complaint as a Consumer Complaint. Filing a consumer complaint with the Division will not extend any time limitations specified in policy provisions, statutes, or regulations.

Confidentiality

When you fill out a complaint form and you initial the "Confidential" box, the Division will keep the records of your consumer complaint confidential from the public, including the insurance company and/or agent or broker whom the complaint is against, in accordance with NRS 679B.190 (5)(b) and (7). Be aware that by marking a complaint confidential the Division cannot forward any documents you provide to the Division, that includes your consumer complaint, which can result in slowing down the consumer complaint process of trying to resolve the issue.

If your Consumer Complaint involves health-related issues or credit information, please complete the Release For Information Section. We suggest that you print out the Consumer Complaint form, sign the Release For Information Section and mail it to the Carson City or Las Vegas Division office, whichever is closest to your location.

If you need assistance in completing the form or have questions, you can contact the Division’s Consumer Services Section.

Consumer Complaint Process

When a Division Consumer Officer receives a Consumer Complaint, the Consumer Officer will:

Log the complaint into the Complaint Database;
Send an acknowledgement letter to the consumer submitting the Consumer Complaint; and,
Send a letter and a complete copy of your Consumer Complaint (IF NOT MARKED AS CONFIDENTIAL) to the insurance company and/or the agent or broker associated with your Consumer Complaint.

The insurance company must reply to the issues addressed in the Consumer Complaint and respond to the Division within 28 calendar days. If you have not heard from a Division Consumer Officer within 30 days from the date on your acknowledgement letter, please feel free to contact the Consumer Officer noted on your acknowledgement letter to inquire about the status of your Consumer Complaint.