What we can (and can't) do

We answer hundreds of insurance questions every day. If you’re not sure if we can help you, call our toll-free Insurance Consumer Hotline at 800-562-6900.

What we can do:

  • Send your complaint to the insurance company and require them to provide an explanation for their actions.
  • Review the company’s response to make sure they followed Washington state laws and your policy.
  • Tell the company to fix the problem if they didn’t follow the laws or your policy.
  • Try to find patterns of problems that may need further reviewing.
  • Try to help fix your insurance problem or help you and the company communicate with one another.
  • Help you understand your insurance policy.
  • Recommend places you can go for help if we don’t have the legal right to resolve it.

What we can’t do:

  • Act as your lawyer or give you legal advice.
  • Make medical judgments or determine if further treatment is necessary.
  • Make liability decisions or determine who is at fault.
  • Establish the facts surrounding a claim (for example: who is being truthful when there are differing accounts of what happened, or he said/she said situations).
  • Determine the value of a claim, the amount owed to you, or act as your adjuster.
  • Address issues we can’t legally enforce.
  • Tell a company to pay a claim, refund a premium, or reinstate or issue a policy (if they followed the law and your policy).

Updated 11/10/2014

See also

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