Arbitration

ArbitrationIf complaints to the Insurance Commissioner's Office about an auto, homeowner or health insurance policy do not provide a suitable solution to your issue, you may take part in a formal process called "arbitration." In arbitration, you file a formal complaint against a company, somewhat like a lawsuit, but instead of a judge and jury, the case is decided by independent experts. For cases involving home or auto insurance, the matter is decided by a three-person panel made up of an attorney and two insurance adjusters who have no interest or stake in the case. For health insurance, it is a single expert.

Arbitration is available only after several attempts to resolve the matter informally have failed and will require a $30 filing fee for home and auto cases or a $75 filing fee for health insurance matters. Arbitration is not available to contest health insurance policy denials based on medical necessity.

Attorneys wishing to be considered as arbitration panel members may submit a resume to the Department of Insurance. Please direct your communication by email to: DOI-Legal@state.de.us.

 

Health Insurance

About health insurance arbitration

Legal description of health insurance arbitration (Regulation 1301, formerly Regulation 11)

Form to petition for health insurance arbitration

Form to respond to petition for health insurance arbitration

"Proof service" form required for health insurance arbitration

Auto Insurance

About auto insurance arbitration

Legal description of auto insurance arbitration (Regulation 901, formerly Regulation 10)

Form to request auto insurance arbitration

Form to respond to auto insurance arbitration request

"Proof of service" form for auto insurance arbitration

Homeowner Insurance

About homeowner insurance arbitration

Legal description of homeowner insurance arbitration (Regulation 901, formerly Regulation 10)

Form to request homeowner insurance arbitration

Form to respond to homeowner insurance arbitration request

"Proof of service" form for home insurance arbitration

Bookmark and Share Last Updated: Tuesday, 15-May-2012 09:01:25 EDT
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