What can consumers do if they believe their auto insurance company is not complying with regulations?

Filing a complaint with the Department of Insurance is the appropriate action for consumers who believe their auto insurance company is not complying with regulations. The Department of Insurance is the regulatory body responsible for overseeing insurance companies and ensuring they adhere to state laws and regulations. When a consumer files a complaint, it prompts an investigation into the insurer's practices, which can lead to corrective actions if any violations are found.

Changing an insurance provider does not address the underlying issue of regulatory non-compliance and may prevent the consumer from actively seeking justice for their concerns. Ignoring the issue while continuing to pay premiums means that the problems with the insurance company may persist without resolution. Consulting with an insurance broker could provide guidance on policy options, but it would not directly resolve regulatory compliance issues with the insurer. Thus, reporting the problem to the regulatory authority is the most effective course of action to safeguard consumer rights and promote accountability in the insurance industry.