Kentucky Department of Insurance
215 West Main Street, Frankfort, KY 40601
Mailing Address:
PO Box 517
Frankfort, KY 40602
Consumer Protection and Education Division
Health Insurance Policy and Managed Care Division
Property and Casualty Division
National Association of Insurance Commissioners– Allows consumers to contact their state’s insurance regulator, takes complaints, and answers questions.
Get Insurance Answers from the Ombudsman
If you have questions or concerns about any type of insurance-related issue, the ombudsman will help you determine where you can go for help. In addition, the ombudsman acts as a citizen advocate by conveying the concerns and interests of insurance consumers to DOI policymakers.
Contact the ombudsman to learn more about the activities of the department as well as the services and informational materials provided by the Consumer Protection and Education Division.
Office of the Ombudsman
Paula Freeman
MAIL: P.O. Box 517 Frankfort KY 40602-0517
LOCATION: 320 West Main St., Frankfort, Ky.
PHONE: 502-564-5148 or toll free 1-800-595-6053
TTY line: 1-800-462-2081 for the deaf.
FAX: 502-564-5922
E-MAIL: Paula.Freeman@mail.state.ky.us
Auto Insurance
Better Business Bureau’s Auto Insurance Page
What to do in an accident, how to shop for car insurance, how to save money on insurance…
Definitions of Auto Insurance Terms
How to File an Auto Insurance Claim
Kentucky Automobile Insurance Plan
Provides automobile insurance coverage to eligible people who seek coverage and are unable to obtain such coverage through the voluntary market.
Health Insurance
Health Insurance Policy and Managed Care Division
Health Insurance Consumer Guides
Summaries of health protection in each state
Medicaid Fraud and Abuse Information
From the Health Care Financing Administration, how to spot fraud and how to report it
Medicare’s Program Integrity
Health Care Financing Administration’s page that explains what Medicare fraud is, how to recognize it, and how to report it
Your Health Plan Online
A consumer information source that describes group health insurance plans. Provides a basic understanding of how group health insurance works and what benefits you may or may not be entitled to.
For Help with Insurance and Health Costs
Kentucky Access
A state-authorized program aimed at people with high-cost conditions who must buy their own health insurance.
Kentucky Cabinet for Health Services
Kentucky Children’s Health Insurance Program
Provides health coverage at no cost to qualifying children.
Kentucky Department of Medicaid Services
Life Insurance
American Council of Life Insurance
Educates consumers regarding life insurance and retirement products, and financial planning.
DeathInsurance.Net Information Gateway
Information on universal, whole, burial, and term insurance
How to File a Life Insurance Claim
Insurance Division of The KY Dept of Insurance
Property and Casualty Insurance
Property and Casualty Division of the KY Dept of Insurance
Property and Casualty Information
Daily news updates with searchable archives on property and casualty related subjects
File A Complaint
Kentucky Department of Insurance Online Complaint Form
https://www.doi.state.ky.us/Kentucky/secured/consumer/complaint.asp
Better Business Bureau Online Complaint System
http://www.bbb.org/bbbcomplaints/Welcome.asp
How to File A Complaint-Instructions
http://www.doi.state.ky.us/kentucky/Documents/ConsumerTips/geninfo.pdf
Print a complaint form to fax or mail
http://www.doi.state.ky.us/kentucky/documents/consumer/webcomplaintform.pdf
Finding an Insurance Company
When shopping for an insurance provider check the following:
License Status: Verify that the company has a license to do business in Kentucky by going tohttp://www.doi.state.ky.us/kentucky/search/company/
Financial Stability: If an insurer is licensed in Kentucky, it means they must meet certain financial standards. Also, you can check a company’s financial rating at:
Standard and Poor’s Insurance Credit Rating
Policyholder Service: How is the product marketed to a consumer? Are the needs of the policyholder served by a local agent or by other means? How are claims resolved? It is the consumer’s right and responsibility to ask these questions when purchasing insurance.
Complaint ratio: The ratio measures the total number of justified complaints against every $1 million of premiums sold in Kentucky during a calendar year. For example, if a company has a ratio of 1.25, it means that the company had 1.25 justified complaints for every $1 million premium sold. If a company has a ratio of 0, then no complaints were filed against that company. Check complaint ratios athttp://www.doi.state.ky.us/kentucky/Search/Complaint/default.asp
Check for license of agents, adjustors, and administrators
http://www.doi.state.ky.us/kentucky/search/Agent/
Reporting Insurance Fraud
If you suspect your insurance company is guilty of criminal activity, report it.
Fraud Investigation Division of the KY Department of Insurance
http://www.doi.state.ky.us/kentucky/divs.asp?DIVID=7
502-564-1461 Insurance Fraud Investigation Division
800-554-8601 Workers’ Compensation Fraud Hotline
National Insurance Crime Bureau
800-447-6282
Coalition Against Insurance Fraud
Medicaid Fraud and Abuse Information
From the Health Care Financing Administration, how to spot fraud and how to report it
Health Care Financing Administration’s page that explains what Medicare fraud is, how to recognize it, and how to report it
Other Links
Aviation Insurance Resource and Directory
The most complete aviation insurance directory and aviation insurance resource covering aircraft insurance sources worldwide sorted by brokers, adjusters, markets and lawyers with aviation insurance wordings and articles for the aviation broking and underwriting community
Consumer Protection and Education Division
Disability Information from About.com
Come here to learn disability insurance basics, and read the latest news articles
Insurance Institute for Highway Safety
The Insurance Institute for Highway Safety is an independent, nonprofit, research and communications organization dedicated to reducing highway crash deaths, injuries, and property damage losses.
Comprehensive list of insurance links for property and casualty, and life and health carriers
Phone numbers of major insurance companies where you can fill out a claim, or request a claim form.