Consumer Services

The goal of the Insurance Commissioner's Consumer Services Division is to protect, advocate for and inform consumers of their rights and options when it comes to insurance. Please feel free to contact the Consumer Services Division with general questions you have about insurance or if you have problems or complaints by email, or call 1-800-282-8611 in Delaware or (302) 674-7310.

Arbitration

If complaints to the Insurance Commissioner's Office about an auto, homeowner or health insurance policy do not provide suitable solution to your issue, you may take part in a formal process called "arbitration." Find more information about the arbitration process here.

Community Outreach

Staff members from the Insurance Commissioner's Office are often out in the community at events or neighborhood locations - stop by our booth during these outreach events for help with an insurance problem, to pick up information on auto, homeowners, life, health and other types of insurance.

File a Complaint

Find information to file a complaint or request assistance with a problem involving an insurance company or agent.

Frequently Asked Questions (FAQ's)

Licensee Verification & Status

The Insurance Commissioner's Office, in partnership with the National Association of Insurance Commissioners (NAIC), offers an online verification service for members of the public and the insurance industry to check the license status of insurance agents and producers in Delaware. This service is provided in order to better assist the needs of the insurance buying public and the insurance professionals that sell and service financial products in this state. This service allows you to search and verify the status of a Delaware licensee.

Click here to access the online licensee verification service

This online verification service is provided by the NAIC. You will be redirected to the NAIC website.

Additional Consumer Information

Annuities

An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid.

Auto

Call it “Everything you ever wanted to know about auto insurance but were afraid to ask.” This is a simple and concise guide to purchasing insurance for cars, trucks and motorcycles. (Also see the Auto Insurance Guide from the NAIC)

Auto Insurance Company Contact Information

Under Regulation 608, the Insurance Commissioner's Office has required all automobile insurance companies doing business in Delaware to provide a phone number and email address for consumers to use for claims information and complaints about claims.

Community Associations

Delaware's communities are served by numerous homeowner groups. These community associations have responsibiity - and liability - in the decisions they make. This guide answers some of the most commonly asked questions.

Covered Childhood Services

Poster of Preventive Services Covered Under the Affordable Care Act and State Mandates.

Credit Insurance

The most commonly sold credit insurance is referred to as credit life or credit accident and health (or disability) insurance.

Flood

Standard homeowners insurance policies and standard business insurance policies do not provide protection against floods. It is a hard lesson that has been learned by some in Delaware in the past.

GRID

Global Receivership Insurance Database for information on companies in receive. (This online verification service is provided by the NAIC. You will be redirected to the NAIC website.)

Health

Dealing with health insurance and health insurance companies can be complicated and very confusing - this guide explains the basics and helps you to understand your options. (Also see the Shopper's Guide to Cancer Insurance from the NAIC)

Home

This guide contains helpful information for new homeowners and longtime owners as well. (Also see the Home Insurance Guide from the NAIC)

Life

This guide explains some of the basics of life insurance, including the two main kinds of life insurance and how they work. It also includes a discussion of annuities. (Also see the Life Insurance Guide from the NAIC)

Long-Term Care Insurance

Long-term care is a general term that includes a wide range of services that address the health, medical, personal care, and social needs of people with chronic or prolonged illnesses, disabilities, and cognitive disorders, such as Alzheimer's disease.

Medicare Supplement Insurance Shopper's Guide

An annual guide that features up-to-date price comparisons for Medigap policies, private insurance designed to supplement your Medicare coverage.

Military Personnel

The Insurance Commissioner's Office has produced the information below as a guide to specific insurance issues faced by men and women serving in the armed forces.

People with Disabilities

People with disabilities have specific needs when it comes to insurance issues. The Insurance Commissioner's Office, working with representatives of Delaware's disabilities community, provide this information.

Private Mortgage Insurance (PMI)

If you put less than 20% down when purchasing a house, many lenders require you to buy Private Mortgage Insurance (PMI) to cover the remainder of the 20% and guarantee your loan.

Small Employer Health Insurance

Information if you are looking for coverage because your insurance company is withdrawing from the health insurance market in Delaware, or because it is time for renewal and you are interested in making a change.

Small Employer Guide

Includes some questions and answers for small employers interested in finding insurance coverge for their business.