Pursuing Complaints about Your Insurance Agent
If the agent is a sole practitioner -- and your beef is with the agent and not the insurance company -- your first place to turn may be the insurer to see if it is willing to intervene on your behalf or step in and correct the perceived wrong. With an agent at a large firm, your complaints will start with a supervisor.
In both cases, you may have signed an agreement to mediate any disputes between you and the advisor. Do not wait to pursue other remedies (lawsuits) before any statutes of limitation expire. If your problem is severe enough to require a mediator, it also warrants a call to the state insurance commissioner's office, which has the power to frighten most agents into a least reviewing tough cases.
Don't stop there.
The insurance agent's responsibility is to sell you products in your best interest and suitable for your need; if he has failed to do this, your remedy is likely to come in court.
By Chuck Jaffe