The Office of Insurance and Safety Fire Commissioner helps you understand how insurance works and when you should file a complaint against an agent or insurer.
What You Should Know:
- Learn more about auto insurance, business insurance, health insurance, homeowner's insurance and life insurance from the Office of Insurance and Safety Fire Commissioner.
- To drive legally in the state, you must purchase automobile liability insurance. If you're in an auto accident and it's your fault, liability insurance pays for damages to the other driver's car. Your policy must cover at least bodily injury liability of $25,000 per person, $50,000 per occurrence and property damage liability of $25,000 per occurrence.
- Read about term and whole life insurance plans to understand the advantages of each.
- Learn how to submit complaints about insurance agents or companies.
When is the Office of Insurance and Safety Fire Commissioner's Consumer Services Division open?
From 8 a.m. to 6 p.m. Monday through Friday, the division accepts calls at 404-656-2070 and welcomes you at 2 Martin Luther King, Jr. Dr., West Tower, Suite 716, Atlanta.
My health insurance company initially paid a claim I sent, but now the company has asked my doctor to refund that payment. Can they do that?
Within the 18 months following the claim, your insurer may audit the payment and determine whether it 's covered under your policy. If the payment falls outside of your coverage, the insurer can ask for a refund and must inform you of that refund request.
What should I know about homeowner’s insurance before I buy my first home?
A typical homeowner’s policy provides both property coverage to pay you for losses and liability coverage to protect you from lawsuits. You should insure your home to at least 80% of its replacement cost. So, if the replacement cost of your home is $160,000, your home coverage should be at least $128,000.
Source: Office of Insurance and Safety Fire Commissioner. This information was prepared as a public service of the State of Georgia to provide general information, not to advise on any specific legal problem. It is not, and cannot be construed to be, legal advice. If you have questions regarding any matter contained on this page, please speak with the agency that is the source of the information.