The Texas Department of Insurance (TDI) governs agent and adjuster licensing as well as company licensing and registration through the Agent and Adjuster Licensing Office (AAL). The AAL “is responsible for the licensing, registration, certification and regulation of persons who wish to sell insurance or adjust property and casualty claims in the state of Texas.” The following agents are subject to the TDI: insurance agents, insurance adjusters, public insurance adjusters, risk managers, life insurance counselors, reinsurance intermediaries, navigators, discount healthcare operators, title agents, escrow officers, and small employer health benefit plans, and any other agent selling insurance.
Complaints Filed Against Texas Insurance Agents
Each year thousands of complaints are filed against insurance agents and adjusters in Texas. The TDI helps consumers resolve complaints against these licensed individuals and insurance companies. The TDI states that it can help consumers with the following types of complaints:
- Late or slow payment of claims;
- Policy cancellations and nonrenewals;
- Improper claim denials;
- Health care treatment or service denials;
- Poor customer service;
- Misrepresentation about what a policy covers;
- Discriminatory rate increases;
- False or misleading advertising; and
- Suspected insurance fraud.
When a complaint is filed against you, your livelihood and career are on the line. Even if you feel the complaint is unfounded, it is critical that you take it seriously from the start. The TDI’s mission is to protect insurance consumers. Its function is to protect the public, not your interests or your insurance license. As soon as you are notified that a complaint has been filed against you, contact a license defense attorney immediately.
After a Complaint is Filed
Once a complaint is received, the TDI informs you or your company and asks for a detailed response. The person who filed the complaint will get a copy of your response. The TDI will then decide if you or the company handled the issue appropriately and within the terms of the policy or certificate of coverage. The TDI will decide as to whether the agent, company, or adjuster broke Texas state insurance laws. If it determines any laws were broken, the TDI can take enforcement action.
Hire An Insurance License Defense Attorney
Complicated insurance license defense cases can be difficult. We can help. At BERTOLINO LLP we can work with you to combat any formal complaints filed against you. We can investigate your complaint and help you build a strong case designed to succeed.
Learn more about how we help our clients in our article 5 FAQ’s We Answer for Our Clients.
Our Firm believes that immediately consulting an experienced professional license defense attorney to review allegations of misconduct helps ensure the most favorable outcome in your case. We know how to build a persuasive case to protect your license and your livelihood. Our results speak for themselves.
Our law firm helps professionals, like you, keep their licenses when those licenses are under attack by a state agency or board.
BERTOLINO LLP represents licensed professionals across the entire State of Texas. To best serve our clients we have offices in Austin, Houston, and San Antonio. Our honest, experienced attorneys will fight aggressively on behalf of your license and reputation. Contact us today or call (512) 717-5432 and schedule a case evaluation.