File A Complaint

Property and Casualty
En Español: Presentar una Queja de Bienes y Accidentes (Automóvil y Vivienda)

Click here to file a complaint online through our website. You can attach documents to your online complaint. The complaint portal is secure. The size limit for documents is 10 MB.

You can also download a complaint form and medical records release. If you download the form, you can mail it or fax it.

• Life and Health
  En Español: Presentar una Queja de Seguro de Vida o Seguro Médico​
  Includes an Authorization for the release of Medical Information. This is required so that doctors, insurers, and other relevant parties can share your medical information with our investigator in order to make a determination in your case.

If you have a disability and need to file a complaint by phone, you can call us at 410-468-2244.

You should allow 90 days for a decision on your complaint, but feel free to call us at any time. Most complaints are resolved faster, but some take longer. You should send us all information you want us to know with your complaint. You have the right to appeal denial decisions under Maryland's Appeals and Grievance Law.

Medical necessity denials

You should review the What We Can and Can’t Do tab to understand whether we can help you or not.

Contact Information:

• Life and Health
  En Español: Presentar una Queja de Seguro de Vida o Seguro Médico​
  Includes an Authorization for the release of Medical Information. This is required so that doctors, insurers, and other relevant parties can share your medical information with our investigator in order to make a determination in your case.

If you have a disability and need to file a complaint by phone, you can call us at 410-468-2244.

If you believe your property and casualty or disability insurer failed to act in good faith when making a decision about your first party insurance claim, you may file an action under Section 27-1001 of the Insurance Article (property and casualty) and Section 3-1701 of the Courts Article of the Code of Maryland.

Consumer Guide: Filing a Section 27-001 Civil Complaint

You must complete a Section 27-1001 complaint information sheet and submit it to the MIA.

If you have a complaint against an insurance agency or producer (agent) the MIA Enforcement Unit can:

• provide information and investigate a complaint
• work to answer questions or complaints about insurance professionals and assist consumers in resolving these complaints.

Click HERE for a complaint form.

Email: enforcement.mia@maryland.gov

​THIS IS WHAT WE CAN DO:

• Forward a copy of your complaint to the insurer, if appropriate;
• Obtain information or explanations on your behalf from the insurer or their representatives. This may involve written and verbal contact with such companies or persons;
• Review in detail the information obtained from the company for compliance with statutes, regulations and policy contracts;
• We investigate complaints involving disability insurance to determine (1) whether or not the denial decision is arbitrary or capricious and (2) whether or not the denial decision was rendered in accordance with the terms of the insurance contract and State insurance laws and regulations.
• Provide general information about the provisions of your insurance policy, as appropriate;
• Suggest to you actions or procedures that you may take which could aid in resolving your insurance problem;
• If it is determined that the actions of an insurer violate a statute, regulation or policy that the MIA enforces, the Company may be required to remedy the problem and/or pay a fine.

THIS IS WHAT WE CANNOT DO:

• Act as your legal representative, in or out of court;
• Intervene in a pending lawsuit on your behalf;
• In the case of disability insurance complaints, make a medical decision as to the extent of an individual's disability.
• Address complaints or inquiries involving insurance contracts that are not subject to the jurisdiction of the insurance laws of the State or matters governed by other State or Federal agencies. This would include the following:
      
• Self-funded or self-insured plans;
• Medical Assistance (Medicaid);
• Medicare and Medicare HMOs;
• Federal Employee Health Benefit Programs;
• Uniform Services Family Health Plans;
• Workers' Compensation;
• Contracts issued and delivered to the policyholder in another state.
  Review more information about the Maryland Insurance Administration's jurisdiction​;
  
• Make a decision as to disputes between you and the insurer about:
  
• Who is negligent or at fault
• The facts surrounding the claim (that is, who might be telling the truth in the matter when accounts of that matter differ);
• The value of a claim or the amount of money owed to you; or
  
• Ask the Motor Vehicle Administration to "hold" a fine pending the investigation of your complaint.

​Consumers are encouraged to report insurance fraud activities to the Maryland Insurance Administration's Insurance Fraud Division. You need not give your name. Simply call 1-800-846-4069 or print and submit the attached form by mail or fax. Our fax number is: 410-347-5350. Consumers may also email fraud referrals by sending completed forms to fraud_referrals.mia@maryland.gov.  

Please visit the MIA Insurance Fraud Webpage for more information.

​The Maryland Insurance Administration has the authority to regulate the business practices of licensed title insurance producers and title insurance companies. If you have concerns regarding a title insurance claim, you may contact the Maryland Insurance Administration’s Property & Casualty Consumer Complaints Unit at 410-468-2340 or toll free at 1-800-492-6116 and elect option three (3).

Click here to file a complaint online through our website. You can attach documents to your online complaint. The complaint portal is secure. The size limit for documents is 10 MB.

To email your title insurance claim complaint, please send to pccomplaints.mia@maryland.gov