Information and Instructions Regarding Your Request for Assistance
Thank you for contacting the Wyoming Insurance Department to assist you with your complaint. Below is the Consumer Request for Assistance form that you need to complete. Be sure to fill in all blanks, especially names, addresses, telephone numbers, and policy numbers. Be as complete as possible when describing the problem.
The time it takes to handle a complaint can vary greatly depending on the company you are filing the complaint against, and how complex the matter is.
While the authority of the Insurance Department is very broad, it is not limitless. We can enforce only the statutes the legislature passes and regulations allowed by law. We can require insurance companies to abide by the policy provisions, but we cannot dictate what those provisions should be other than those the legislature says must be in the policy. If an insurance company does not violate the Insurance Code and processes your claim according to the policy, the Insurance Department may not be able to take action against that company.
Examples of complaints which fall under our authority:
Improper denial of a claim or an offer of an amount less than indicated by the policy.
Delay in claim handling.
Illegal cancellation or termination of an insurance policy.
Misrepresentation of policy coverage; or misappropriation of premiums paid to an agent or broker.
Examples of complaints which do not fall under our authority:
Refusal to insure (unless there is unfair discrimination).
Rates (except in very limited circumstances).
Deciding who is at fault for an accident (we can make sure the company conducts a reasonable investigation) or deciding how much your car is worth (we can make sure the insurance company bases the value on an appraisal).
Additionally, we cannot regulate all types of health insurance plans. While we will try to assist you to the best of our ability, it may be necessary to refer your complaint to the U.S. Department of Labor Pension and Welfare Benefit Administration (ERISA)or to the U.S. Office of Personnel Management (FEHBA). If your plan requires an appeal within a specified time limit, you should file the appeal. This complaint does not constitute, and is not a substitute for, an appeal.
To submit a complaint, please either use the fillable form below, contact our Department at 307-777-7401 and request a paper form be mailed to you, or click here to submit an electronic complaint with the ability to attach related documents.