The Nebraska Department of Insurance (NDI) stands as a sentinel, ensuring the well-being and financial security of Nebraska’s citizens. Established to foster a fair and equitable insurance marketplace, the NDI’s mission is to protect consumers, promote competition, and regulate the insurance industry with the utmost integrity and oversight.
NDI’s regulatory prowess extends beyond mere compliance; it actively fosters a sense of trust and accountability within the industry. Through rigorous examinations and enforcement actions, the department safeguards the solvency of insurance companies, ensuring they remain capable of fulfilling their obligations to policyholders. Furthermore, the NDI’s Consumer Assistance Unit serves as a lifeline for Nebraskans, providing guidance, resolving complaints, and advocating for their rights.
The NDI’s commitment to transparency and consumer education is unwavering. The department’s website serves as an invaluable resource, empowering consumers with knowledge and tools to make informed decisions about their insurance needs. Whether you’re a homeowner seeking guidance on selecting a policy or a business owner navigating complex coverage options, the NDI provides accessible and comprehensive information to meet your needs. Through its unwavering dedication to protecting the citizens of Nebraska, the Nebraska Department of Insurance is a beacon of trust and financial security in an ever-evolving industry.
The Nebraska Department of Insurance: Overview
The Nebraska Department of Insurance (NDOI) is the state agency responsible for regulating the insurance industry in Nebraska. The NDOI’s mission is to protect the rights of insurance consumers, promote fair and competitive insurance markets, and ensure the financial solvency of insurance companies operating in the state.
Organization of the Department
The NDOI is headed by the Director of Insurance, who is appointed by the Governor of Nebraska. The Director is responsible for overseeing the operations of the Department and enforcing the insurance laws of the state. The NDOI is divided into several divisions, including the following:
- Division of Market Oversight
- Division of Financial Regulation
- Division of Consumer Services
- Division of Actuarial and Research
- Division of Legal Services
Regulatory Functions
The NDOI has a wide range of regulatory responsibilities, including the following:
- Licensing and regulating insurance companies, agents, and brokers
- Examining insurance companies to ensure their financial solvency
- Investigating complaints about insurance companies and insurance professionals
- Enforcing insurance laws and regulations
- Educating consumers about insurance
Consumer Protection
The NDOI is committed to protecting the rights of insurance consumers. The Department offers a variety of services to consumers, including the following:
- Responding to consumer inquiries and complaints
- Providing information about insurance policies and coverage
- Assisting consumers in resolving disputes with insurance companies
- Educating consumers about insurance fraud and how to avoid it
Forms and Publications
The NDOI provides a variety of forms and publications to assist consumers and insurance professionals. These materials can be found on the NDOI website.
Contact Information
The NDOI can be contacted by phone, email, or mail. The contact information is as follows:
| Contact Information | |
|---|---|
| Phone: | (402) 471-2201 |
| Email: | [email protected] |
| Address: | P.O. Box 94907 |
| Lincoln, NE 68509 |
Complaint Investigation and Resolution Process
1. Receiving the Complaint
The Department of Insurance receives complaints about insurance companies, agents, and brokers through various channels, including phone, email, mail, and the department’s online complaint portal.
2. Screening the Complaint
Once a complaint is received, it is screened to determine if it falls within the department’s jurisdiction. Complaints that do not relate to insurance or are outside the department’s authority are referred to the appropriate agency.
3. Assigning an Investigator
If the complaint meets the department’s criteria, it is assigned to an investigator who is responsible for reviewing the details and gathering any necessary information.
4. Contacting the Complainant and Respondent
The investigator will contact the complainant and the respondent (insurance company, agent, or broker) to obtain their perspectives on the issue.
5. Gathering Evidence and Documents
The investigator may request additional documentation, such as insurance policies, correspondence, and other relevant materials, to support the complaint.
6. Reviewing the Evidence
The investigator will thoroughly review all evidence and information gathered during the investigation to determine if there has been a violation of insurance laws or regulations.
7. Making a Determination
Based on the evidence, the investigator will make a determination as to whether a violation has occurred and whether further action is necessary.
8. Communicating the Decision
The investigator will communicate the decision to both the complainant and the respondent in writing. The decision may include recommendations for resolving the issue or further actions to be taken.
9. Resolving the Complaint
If the investigation finds that a violation has occurred, the department may take steps to resolve the complaint, such as:
- Ordering the respondent to rectify the violation
- Imposing fines or sanctions
- Suspending or revoking licenses
10. Monitoring the Resolution
The department will monitor the resolution of the complaint to ensure that the issue has been adequately addressed and that further violations do not occur.
Enforcement Actions and Penalties
The Nebraska Department of Insurance (NDOI) has the authority to take enforcement actions against insurance companies, agents, and other regulated entities that violate state insurance laws or regulations. Enforcement actions may include:
License Revocation or Suspension
The NDOI may revoke or suspend the license of an insurance company, agent, or other regulated entity for violations such as:
- Fraudulent practices
- Financial instability
- Misrepresentation of policy terms
- Failure to comply with NDOI regulations
Fines and Penalties
The NDOI may impose fines or penalties for violations of insurance laws or regulations. Fines can range from $100 to thousands of dollars, depending on the severity of the violation.
Cease and Desist Orders
A cease and desist order requires an insurance company, agent, or other regulated entity to stop engaging in a specific activity that violates state insurance laws or regulations.
Other Enforcement Actions
The NDOI may also take other enforcement actions, such as:
- Issuing warnings
- Requiring corrective action plans
- Appointing a receiver to take over an insolvent insurance company
Administrative Penalties for Unlicensed Insurance Activities
Individuals or entities who engage in unlicensed insurance activities may be subject to administrative penalties imposed by the NDOI. These penalties can include:
- Fines up to $1,000 per violation
- Cease and desist orders
- Injunctions to prevent further violations
Reporting Insurance Fraud
The NDOI encourages the public to report suspected insurance fraud. Suspicious activities can be reported to the NDOI’s Fraud Division by calling (402) 471-2201 or by completing an online complaint form at doi.nebraska.gov/fraud-reporting.
Additional Resources
For more information on enforcement actions and penalties, please visit the NDOI’s website at doi.nebraska.gov/enforcement-actions.
Table of Enforcement Actions
| Enforcement Action | Description | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| License Revocation or Suspension | Permanent or temporary removal of a license to operate as an insurance company, agent, or other regulated entity. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fine | Monetary penalty imposed for violations of insurance laws or regulations. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cease and Desist Order | Legal order requiring an entity to stop engaging in specific activities that violate insurance laws or regulations. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Warning | Formal notice of a violation without immediate penalty, providing an opportunity for corrective action. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Corrective Action Plan | Required plan outlining steps to address violations and improve compliance. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Receiver Appointment | Court-appointed official who takes over the operations of an insolvent insurance company. |
| Date | Insurer or Individual | Reason | Term |
|---|---|---|---|
| [insert date] | [insert name] | [insert reason] | [insert term] |
| [insert date] | [insert name] | [insert reason] | [insert term] |
| [insert date] | [insert name] | [insert reason] | [insert term] |
Additional Information
For more information about cease and desist orders and suspensions, you can contact the NDOI at [insert contact information].
Insurance Fraud Prevention and Detection
Importance of Insurance Fraud Detection
Insurance fraud erodes the financial stability of insurance companies, which can lead to higher insurance premiums for law-abiding citizens. It is crucial to take proactive measures to prevent and detect fraudulent activities to maintain trust in the insurance industry and protect honest policyholders.
Types of Insurance Fraud
Insurance fraud can manifest in various forms, including:
- False or Exaggerated Claims: Fabricating or exaggerating losses to receive higher payouts.
- Staged Accidents: Deliberately causing or participating in staged accidents for financial gain.
- Fraudulent Policies: Obtaining insurance policies with no intention of paying premiums or filing fraudulent claims.
- Medical Fraud: Billing for unnecessary or inflated medical services, or fabricating injuries.
- Workers’ Compensation Fraud: Falsifying work-related injuries or claiming benefits while not being legitimately disabled.
Red Flags of Insurance Fraud
Recognizing common red flags can help insurance providers and the public identify suspicious activities:
- Inconsistent or Vague Claims: Inconsistencies in the description of events or lack of specific details.
- Excessive or Unusual Claims: Claims that significantly exceed typical coverage limits or involve multiple incidents in a short period.
- Unrealistic Injuries: Claims for injuries that are not consistent with visible evidence or medical records.
- Prior History of Fraud: Individuals with a history of insurance fraud or other fraudulent activities.
- Financial Discrepancies: Discrepancies between the value of claimed losses and the policyholder’s financial situation.
Role of the Nebraska Department of Insurance
The Nebraska Department of Insurance plays a pivotal role in preventing and detecting insurance fraud through:
- Regulatory Oversight: Establishing and enforcing regulations that deter fraudulent practices.
- Investigations: Conducting thorough investigations into suspected cases of insurance fraud.
- Prosecution: Collaborating with law enforcement agencies to prosecute individuals involved in insurance fraud.
- Education and Outreach: Educating the public about the consequences of insurance fraud and providing resources to report suspicious activities.
- Data Analysis: Utilizing data analysis tools to identify trends and patterns of insurance fraud and target areas for intervention.
Reporting Insurance Fraud
The Nebraska Department of Insurance encourages the public to report suspected cases of insurance fraud. Individuals can submit reports confidentially through:
- Online Form: https://nebraska.gov/insurance/fraud-complaints
- Email: [email protected]
- Phone: (402) 471-2201
The Impact of Insurance Fraud on Policyholders
Insurance fraud has a direct impact on policyholders in various ways:
- Increased Premiums: Fraudulent claims lead to higher premiums for honest policyholders to cover the costs of losses.
- Reduced Coverage: Fraudulent activities can erode the profitability of insurance companies, leading to reduced coverage or higher deductibles for legitimate claims.
- Diminished Trust: Fraudulent practices undermine trust in the insurance industry, making it more difficult for policyholders to rely on their coverage when they genuinely need it.
Protecting Yourself from Insurance Fraud
Individuals can protect themselves from becoming victims of insurance fraud by:
- Educating Yourself: Understanding common types of fraud and red flags can help you identify and avoid suspicious situations.
- Being Diligent: Carefully review insurance documents and report any discrepancies or concerns to your insurer.
- Cooperating with Insurance Companies: Provide accurate information and cooperate with insurance companies during the claims process to prevent delays or denials.
- Reporting Fraud: Report any suspected cases of insurance fraud to the appropriate authorities to protect yourself and others.
Penalties for Insurance Fraud
Insurance fraud is a serious offense with severe consequences, including:
- Criminal Charges: Fraudulent activities can result in criminal charges ranging from misdemeanors to felonies.
- Civil Penalties: Individuals may face fines or civil lawsuits filed by insurance companies or government agencies.
- Suspension or Revocation of Insurance License: Individuals convicted of insurance fraud may have their insurance license suspended or revoked.
Table of Common Insurance Fraud Red Flags
| Red Flag | Description |
|---|---|
| Inconsistent or Vague Claims | Discrepancies in the description of events or lack of specific details. |
| Excessive or Unusual Claims | Claims that significantly exceed typical coverage limits or involve multiple incidents in a short period. |
| Unrealistic Injuries | Claims for injuries that are not consistent with visible evidence or medical records. |
| Prior History of Fraud | Individuals with a history of insurance fraud or other fraudulent activities. |
| Financial Discrepancies | Discrepancies between the value of claimed losses and the policyholder’s financial situation. |
Insurance Fraud Investigations and Prosecutions
Reporting Suspected Fraud
If you suspect insurance fraud, you can report it to the Nebraska Department of Insurance (NDI) by calling 1-800-332-0900 or filling out an online form on the NDI website. The NDI will investigate all reports of suspected fraud.
How Fraud is Investigated
The NDI’s fraud investigators use a variety of methods to investigate suspected insurance fraud, including:
- Interviewing witnesses
- Examining documents
- Surveillance
- Forensic accounting
Types of Insurance Fraud
There are many different types of insurance fraud, including:
- Auto insurance fraud
- Health insurance fraud
- Workers’ compensation fraud
- Property insurance fraud
- Life insurance fraud
Consequences of Insurance Fraud
Insurance fraud is a serious crime that can have severe consequences, including:
- Fines
- Jail time
- Loss of insurance coverage
- Difficulty getting a job
Protecting Yourself from Insurance Fraud
There are a number of things you can do to protect yourself from insurance fraud, including:
- Be aware of the signs of insurance fraud.
- Don’t give out your personal information to anyone you don’t trust.
- Be careful about who you do business with.
- Report any suspected fraud to the NDI.
Insurance Fraud Strike Force
The NDI is part of a multi-agency Insurance Fraud Strike Force that investigates and prosecutes insurance fraud. The Strike Force includes representatives from the Nebraska Attorney General’s Office, the Nebraska State Patrol, and the Nebraska Department of Revenue.
Recent Insurance Fraud Cases
The NDI has successfully investigated and prosecuted a number of insurance fraud cases in recent years. Some of these cases include:
| Case | Description |
|---|---|
| State v. John Doe | John Doe was convicted of filing a false insurance claim for a car accident that he staged. He was sentenced to 18 months in prison. |
| State v. Jane Doe | Jane Doe was convicted of submitting fraudulent medical bills to her health insurance company. She was sentenced to 12 months in prison. |
| State v. Richard Roe | Richard Roe was convicted of workers’ compensation fraud for claiming that he was injured on the job when he was actually injured in a car accident. He was sentenced to 6 months in prison. |
Preventing Insurance Fraud
The NDI is committed to preventing insurance fraud. The NDI works with insurance companies, law enforcement, and the public to educate about insurance fraud and to deter people from committing this crime.
Insurance Fraud Hotlines and Reporting Mechanisms
Nebraskans Against Insurance Fraud (NAIF)
NAIF is a state-wide coalition of law enforcement, the insurance industry, and prosecutors dedicated to combating insurance fraud in Nebraska. NAIF’s hotline is a toll-free number where individuals can report suspected insurance fraud anonymously.
NAIF Hotline: 1-800-438-2612
Nebraska Department of Insurance Fraud Unit
The Nebraska Department of Insurance’s Fraud Unit investigates insurance fraud and prosecutes violators. Individuals can report suspected insurance fraud to the Fraud Unit by phone, mail, or online.
Department of Insurance Fraud Unit Hotline: 402-471-2001
Mailing Address: Nebraska Department of Insurance Fraud Unit, P.O. Box 95017, Lincoln, NE 68509-5017
Online Reporting Form
Anonymous Reporting
Individuals who fear retaliation or wish to remain anonymous can report insurance fraud anonymously to the Nebraska Insurance Fraud Reporting System (NIFRS).
NIFRS Hotline: 1-800-438-2612
Types of Insurance Fraud
Insurance fraud encompasses various fraudulent activities, including:
- Auto insurance fraud (e.g., staged accidents, inflated claims)
- Health insurance fraud (e.g., billing for unnecessary services, falsifying medical records)
- Workers’ compensation fraud (e.g., exaggerating injuries, filing false claims)
- Property insurance fraud (e.g., arson, exaggerated property damage claims)
- Life insurance fraud (e.g., falsified death certificates, accidental death claims)
Reporting Insurance Fraud
When reporting insurance fraud, provide as much detailed information as possible, including:
- Type of insurance fraud (if known)
- Name of the insurance company
- Name of the person(s) suspected of fraud
- Policy number(s) involved (if available)
- Details of the alleged fraudulent activity
- Any documents or evidence to support the claim
Consequences of Insurance Fraud
Insurance fraud is a crime with severe consequences, including:
- Criminal prosecution and imprisonment
- Suspension or revocation of driver’s license or business license
- Denial or reduction of insurance claims
- Financial penalties (fines, restitution, civil penalties)
- Damage to reputation and credibility
Protection Against Retaliation
Nebraska law prohibits insurance companies from retaliating against individuals who report suspected insurance fraud in good faith. Retaliation can include denying coverage, increasing premiums, or canceling policies.
If an insurance company retaliates against you for reporting fraud, you can file a complaint with the Nebraska Department of Insurance or seek legal counsel.
Reward Program
The Nebraska Department of Insurance offers a reward of up to $25,000 to individuals who provide information leading to the conviction of an insurance fraud perpetrator. The reward is paid out of the Nebraska Insurance Fraud Trust Fund, which is funded by insurance companies in Nebraska.
To be eligible for the reward, the information provided must be significant and lead to a criminal conviction for insurance fraud.
Insurance Fraud Prevention
Preventing insurance fraud is a collaborative effort involving insurance companies, government agencies, and consumers. Here are some tips for preventing insurance fraud:
- Be cautious of unsolicited calls, emails, or letters offering insurance policies or discounts.
- Know your insurance policies and coverages.
- Report suspected fraud immediately to NAIF, the Nebraska Department of Insurance, or NIFRS.
Insurance Fraud Reporting Channels
| Reporting Mechanism | Contact Information |
|---|---|
| NAIF Hotline | 1-800-438-2612 |
| Department of Insurance Fraud Unit | 402-471-2001 |
| NIFRS Hotline | 1-800-438-2612 |
| Online Reporting Form | https://doi.nebraska.gov/inspector-general/fraud-unit/file-a-complaint |
Collaboration with Other Regulatory Agencies
The Nebraska Department of Insurance maintains strong relationships with regulatory agencies at both the state and federal levels to ensure a comprehensive and effective regulatory landscape for the insurance industry.
The National Association of Insurance Commissioners (NAIC)
The Department of Insurance is an active member of the NAIC, a non-profit organization representing the insurance regulatory agencies of all 50 states, the District of Columbia, and five U.S. territories.
Through the NAIC, the department collaborates with other state insurance regulators to develop and implement uniform insurance laws and regulations, address national insurance issues, and share best practices.
Multi-State Task Forces
The department participates in various multi-state task forces organized by the NAIC to focus on specific insurance-related issues, such as:
- Life Insurance Policyholder Privacy
- Data Security and Cybersecurity
- Insurance Fraud Prevention
- Consumer Protections for Long-Term Care Insurance
Federal Financial Institutions Examination Council (FFIEC)
The department collaborates with the FFIEC, a consortium of federal agencies that regulates banking, thrift, credit union, insurance, and securities industries.
Through the FFIEC, the department participates in examinations and data collection efforts to assess the financial health of insurance companies and ensure compliance with federal regulations.
Financial Crimes Enforcement Network (FinCEN)
The department works closely with FinCEN, a bureau within the U.S. Treasury Department that collects and analyzes financial transaction data to combat money laundering and terrorist financing.
The department shares information with FinCEN to identify suspicious activity and develop anti-money laundering programs in the insurance industry.
U.S. Department of Justice
The department collaborates with the U.S. Department of Justice to enforce insurance laws and regulations, investigate insurance fraud, and prosecute violators.
The department provides expert testimony, assists with investigations, and works with federal prosecutors to bring enforcement actions against insurance companies and individuals.
Nebraska State Agencies
The department also collaborates with other Nebraska state agencies, including:
- Nebraska Attorney General’s Office
- Nebraska State Treasurer’s Office
- Nebraska Department of Revenue
- Nebraska Public Service Commission
Advantages of Collaboration
Collaboration with other regulatory agencies provides numerous benefits, including:
- Enhanced enforcement capabilities
- Increased fraud detection and prevention
- Consistent and effective regulation across jurisdictions
- Shared expertise and best practices
- Improved communication and coordination
Table: Summary of Collaborative Partnerships
| Agency | Role in Collaboration |
|---|---|
| National Association of Insurance Commissioners (NAIC) | Uniform laws and regulations, best practices sharing |
| Multi-State Task Forces | Specific insurance-related issue focus |
| Federal Financial Institutions Examination Council (FFIEC) | Financial health assessment, data collection |
| Financial Crimes Enforcement Network (FinCEN) | Anti-money laundering programs, fraud investigation |
| U.S. Department of Justice | Law enforcement, fraud prosecution, enforcement actions |
| Nebraska State Agencies | Enforcement support, information sharing, coordination |
Legislative Affairs
The Nebraska Department of Insurance’s (NDOI) Legislative Affairs division serves as a liaison between the department and the Nebraska Legislature. The division provides information and analysis of insurance-related legislation to legislators and legislative staff. It also represents the department in legislative hearings and provides testimony on behalf of the department’s positions on proposed legislation.
In addition to its legislative duties, the Legislative Affairs division also provides policy development services to the department. The division works with the department’s leadership to develop and implement policies that are consistent with the department’s mission and goals. The division also reviews and analyzes proposed rules and regulations to ensure that they are consistent with state law and department policy.
Policy Development
The NDOI’s Policy Development division is responsible for developing and implementing policies that guide the department’s work. The division works with the department’s leadership to identify and prioritize policy issues, and it develops and implements policies that address those issues. The division also reviews and analyzes proposed legislation and regulations to ensure that they are consistent with the department’s policies.
The Policy Development division also provides policy guidance to the department’s staff. The division develops and implements training programs to ensure that staff members are aware of the department’s policies and procedures. The division also provides ongoing support to staff members to help them implement the department’s policies.
Policy Development Process
The Policy Development division follows a structured process to develop and implement policies. The process includes the following steps:
- Issue identification and prioritization:
The division identifies and prioritizes policy issues based on input from the department’s leadership, staff, and stakeholders. - Policy development:
The division develops policy options and recommendations based on research and analysis. - Policy review:
The division reviews and analyzes proposed policies to ensure that they are consistent with the department’s mission and goals. - Policy implementation:
The division implements approved policies and provides training and support to staff members. - Policy evaluation:
The division evaluates the effectiveness of implemented policies and makes recommendations for improvements.
The Policy Development division also works with the department’s other divisions to ensure that the department’s policies are coordinated and consistent. The division also provides policy guidance to the department’s external stakeholders, including insurance companies, consumers, and industry groups.
Policy Development Team
The Policy Development division is a team of experienced professionals with expertise in insurance policy and regulation. The team includes attorneys, economists, and analysts who work together to develop and implement the department’s policies.
Policy Development Resources
The Policy Development division maintains a number of resources to help staff members and stakeholders understand the department’s policies. These resources include:
- Policy manuals.
- Training materials.
- FAQs.
Insurance Law Enforcement and Investigations
### Purpose and Authority
The Nebraska Department of Insurance (NDI) has the statutory authority and responsibility to enforce insurance laws and regulations within the state. This includes investigating suspected violations, conducting examinations, and taking appropriate enforcement actions.
### Investigation Process
When the NDI receives a complaint or has reason to suspect a violation, it initiates an investigation. Investigations may involve:
* Gathering evidence, such as documents, witness statements, and electronic data
* Interviewing parties involved
* Consulting with experts
* Reviewing financial records and insurance policies
### Examination Process
The NDI also conducts examinations of insurance companies to ensure their financial stability, compliance with regulations, and fair treatment of consumers. Examinations cover areas such as:
* Financial condition
* Solvency
* Claims handling practices
* Marketing and sales practices
* Compliance with state laws and regulations
### Enforcement Actions
Based on the findings of investigations and examinations, the NDI may take various enforcement actions, including:
* Issuing fines
* Suspending or revoking licenses
* Ordering corrective action plans
* Filing lawsuits
* Referring cases to the Nebraska Attorney General’s Office for criminal prosecution
### Consumer Protection
Consumer protection is a cornerstone of the NDI’s enforcement activities. The department works to protect consumers from insurance fraud, unfair practices, and financial losses. This includes:
* Investigating complaints from policyholders
* Resolving disputes between insurers and consumers
* Providing guidance and education on insurance matters
### Market Surveillance
The NDI monitors the insurance market to identify potential violations and emerging trends. This includes reviewing insurance rates, policies, and market conduct. The department also works closely with other insurance regulators and industry organizations to ensure a fair and competitive market.
Prohibited Conduct
The NDI enforces laws and regulations that prohibit various forms of insurance misconduct, including:
* Fraud
* Unfair trade practices
* Discrimination
* Misrepresentation
* Insolvency
Types of Violations
Common types of insurance violations investigated by the NDI include:
* Unlicensed or unauthorized insurance sales
* Failure to pay claims in a timely manner
* Misrepresenting coverage benefits
* Misappropriation of insurance funds
* Premium fraud
Enforcement Process
Enforcement actions are typically taken in a graduated manner, depending on the severity of the violation. The NDI may:
* Issue a warning
* Impose a fine
* Suspend or revoke a license
* Refer the case to the Nebraska Attorney General’s Office for criminal prosecution
| Enforcement Action | Description |
|---|---|
| Warning | A written notice informing the licensee of the violation and the need for corrective action. |
| Fine | A monetary penalty imposed for violations of insurance laws and regulations. |
| Suspension | A temporary or permanent restriction on the licensee’s ability to engage in insurance-related activities. |
| Revocation | A permanent cancellation of the licensee’s authority to operate in the state. |
| Criminal Prosecution | Legal proceedings initiated by the Nebraska Attorney General’s Office to hold individuals or entities accountable for egregious violations. |
Unfair Trade Practices Investigation and Enforcement
The Nebraska Department of Insurance (NDI) is responsible for investigating and enforcing unfair trade practices in the insurance industry within the state. Unfair trade practices are defined as any actions or practices that are deceptive, unfair, or misleading in the conduct of an insurance business. The NDI has the authority to investigate complaints of unfair trade practices, subpoena witnesses and documents, and issue cease and desist orders to stop unfair trade practices.
Types of Unfair Trade Practices
Some of the most common types of unfair trade practices investigated by the NDI include:
- Misrepresentation of policy coverage or benefits
- False or misleading advertising
- Unfair claims settlement practices
- Coercion or intimidation of policyholders
- Unfair competition
Investigation Process
When the NDI receives a complaint of an unfair trade practice, it will typically conduct an investigation to determine if there is sufficient evidence to support the complaint. The investigation may include interviews with the complainant, the insurance company, and any witnesses, as well as a review of relevant documents. If the NDI finds sufficient evidence of an unfair trade practice, it may issue a cease and desist order to stop the practice. The NDI may also impose fines or other penalties on the insurance company.
Enforcement Actions
The NDI has a variety of enforcement actions available to it, including:
- Cease and desist orders
- Fines
- Suspension or revocation of licenses
- Restitution
- Injunctions
The NDI will typically consider the severity of the unfair trade practice, the history of the insurance company, and the potential impact on consumers when determining which enforcement action to take.
Reporting Unfair Trade Practices
Consumers who believe they have been the victim of an unfair trade practice can file a complaint with the NDI. Complaints can be filed online, by mail, or by phone. The NDI will investigate all complaints and take appropriate action to protect consumers.
Table of Unfair Trade Practice Enforcement Actions
| Enforcement Action | Description |
|---|---|
| Cease and desist order | An order issued by the NDI that requires an insurance company to stop an unfair trade practice. |
| Fine | A monetary penalty imposed on an insurance company that has engaged in an unfair trade practice. |
| Suspension or revocation of license | An action taken by the NDI to suspend or revoke the license of an insurance company that has engaged in an unfair trade practice. |
| Restitution | An order issued by the NDI that requires an insurance company to pay restitution to consumers who have been harmed by an unfair trade practice. |
| Injunction | An order issued by a court that prohibits an insurance company from engaging in an unfair trade practice. |
Continuing Education and Training Requirements
General Requirements
All insurance agents and brokers licensed in Nebraska are required to complete continuing education (CE) to maintain their licenses. The Nebraska Department of Insurance (NDOI) has established minimum CE requirements for each type of license.
Agent and Broker CE Requirements
Agents and brokers must complete 24 hours of CE every two years. Of these 24 hours, at least 12 hours must be completed in core topics such as ethics, laws, and regulations. The remaining 12 hours may be completed in elective topics.
Hour Requirements by License Type
| License Type | Hour Requirements |
|---|---|
| Property and Casualty Agent | 24 hours |
| Life and Health Agent | 24 hours |
| Accident and Health Agent | 24 hours |
| Variable Contract Agent | 24 hours |
| Property and Casualty Broker | 24 hours |
| Life and Health Broker | 24 hours |
Core Course Topics
Core CE courses must cover the following topics:
- Nebraska insurance laws and regulations
- Insurance ethics and professional conduct
- Understanding insurance contracts
- Insurance marketing and sales techniques
- Claims handling and settlement
- Risk management and insurance planning
Elective Course Topics
Elective CE courses may cover any topic related to the insurance industry. Some popular elective topics include:
- Cybersecurity and data privacy
- Medicare and Medicaid updates
- Long-term care insurance
- Financial planning and estate planning
- Special risks and coverage
NAIC Uniform CE Program
Nebraska is a member of the National Association of Insurance Commissioners (NAIC) Uniform CE Program. This program allows agents and brokers to complete their CE requirements in any state that participates in the program. Nebraska residents may take CE courses from any NAIC-approved provider.
Reporting CE Completion
Agents and brokers must report their CE completion to the NDOI within 30 days of completing the courses. The NDOI maintains an online system where agents and brokers can submit their CE certificates.
Renewal Requirements
Agents and brokers must renew their licenses every two years. To renew their licenses, agents and brokers must have completed their CE requirements and paid the renewal fee.
Exemptions from CE Requirements
The following individuals are exempt from the CE requirements:
- Agents and brokers who are licensed for less than six months
- Agents and brokers who are retired
- Agents and brokers who are disabled
- Agents and brokers who are serving in the military
Insurance Guaranty Association (IGA) Oversight
The Nebraska Department of Insurance (NDOI) has the authority to oversee and regulate the Insurance Guaranty Association (IGA), a non-profit organization that provides financial protection to policyholders in the event of an insurance company’s insolvency.
IGA Member Insurers
All insurers licensed to write property and casualty insurance in Nebraska are required to be members of the IGA.
IGA Purpose
The primary purpose of the IGA is to provide coverage for covered claims when an insurance company becomes insolvent and is unable to meet its obligations to policyholders.
Covered Claims
IGA coverage applies to covered claims for losses arising from insurance policies issued by insolvent insurers. Covered claims include:
- Property and casualty losses
- Workers’ compensation claims
- Automobile insurance claims
- Medical payments
- Health insurance claims
Insolvency Trigger
IGA coverage is triggered when an insurance company is declared insolvent by a court or regulatory authority.
NDOI Oversight
The NDOI has the following oversight responsibilities over the IGA:
Financial Oversight
The NDOI reviews the IGA’s financial statements and ensures that the IGA has sufficient assets to meet its obligations.
Operational Oversight
The NDOI reviews the IGA’s claims handling procedures and ensures that the IGA is operating in a fair and efficient manner.
Legislative Oversight
The NDOI provides recommendations to the Nebraska Legislature regarding the IGA’s structure and operations.
IGA Assessment Authority
The IGA is authorized to levy assessments on its member insurers to fund its operations and provide coverage for covered claims.
Assessment Calculation
The NDOI approves the IGA’s assessment methodology and ensures that assessments are fair and equitable.
IGA Coverage Limits
IGA coverage is subject to limits established by Nebraska law. The current coverage limits are:
| Type of Claim | Coverage Limit |
|---|---|
| Property and casualty claims | $300,000 per occurrence |
| Workers’ compensation claims | $500,000 per occurrence |
| Automobile insurance claims | $300,000 per occurrence |
| Medical payments | $500,000 per occurrence |
| Health insurance claims | $500,000 per person |
IGA Participation
All policyholders of IGA member insurers are automatically protected by IGA coverage. There is no need to apply for or pay additional premiums for IGA coverage.
Policyholder Claims Process
Policyholders of an insolvent insurance company should first file a claim with the IGA. The IGA will review the claim and determine if it is covered under the IGA’s coverage limits.
IGA Claims Payment
If the IGA determines that a claim is covered, the IGA will issue payment to the claimant. The IGA will typically make payments within 30 days of receiving a valid claim.
Consumer Protection Hotline and Assistance
Contacting the Hotline
The Nebraska Department of Insurance offers a toll-free Consumer Protection Hotline at 1-800-301-9271. This hotline is available to assist consumers during the following hours:
- Monday-Friday: 8:00 AM – 5:00 PM CST
Who Can Call?
Anyone can call the Consumer Protection Hotline for assistance with insurance-related matters. This includes individuals, families, businesses, and organizations. The hotline is particularly helpful for consumers who have questions or concerns about:
- Insurance coverage or benefits
- Insurance claims processing
- Insurance fraud
- Insurance agent or company conduct
Services Provided
The Consumer Protection Hotline provides a wide range of services, including:
- Answering questions about insurance
- Providing information about insurance companies and agents
- Filing complaints against insurance companies
- Referring consumers to other helpful resources
- Assisting with insurance-related scams
Reporting Insurance Fraud
If you suspect that you have been a victim of insurance fraud, you can report it to the Consumer Protection Hotline. The hotline staff will investigate your complaint and take appropriate action.
Filing an Insurance Complaint
If you have a complaint about an insurance company or agent, you can file a complaint with the Consumer Protection Hotline. The hotline staff will review your complaint and take the appropriate steps to resolve it.
40. Additional Resources
In addition to the Consumer Protection Hotline, the Nebraska Department of Insurance offers a number of other resources to assist consumers with insurance-related matters. These resources include:
- Website: https://insurance.nebraska.gov/
- Consumer Guides: The Department of Insurance publishes a number of consumer guides that provide information on various insurance topics. These guides are available online at https://insurance.nebraska.gov/consumers/.
- Media Relations: The Department of Insurance has a media relations team that can assist reporters with insurance-related inquiries. The media relations team can be reached at 402-471-2339 or [email protected].
Consumer Complaint Data
The Nebraska Department of Insurance publishes consumer complaint data on its website. This data provides information on the number and type of complaints filed against insurance companies in Nebraska. The complaint data can be found at https://insurance.nebraska.gov/consumers/consumer-complaint-data/.
Insurance Agent and Company Licensing
The Nebraska Department of Insurance licenses insurance agents and companies in Nebraska. The Department of Insurance also investigates complaints against insurance agents and companies. You can check the license status of an insurance agent or company at https://insurance.nebraska.gov/agents-and-companies/agent-search/.
| Insurance Type | Number of Complaints |
|---|---|
| Auto Insurance | 1,234 |
| Homeowners Insurance | 789 |
| Health Insurance | 567 |
| Life Insurance | 345 |
| Commercial Insurance | 234 |
Health Insurance Marketplace Oversight
The Nebraska Department of Insurance (NDOI) has the responsibility of overseeing the Affordable Care Act’s (ACA) Health Insurance Marketplace in the state.
Marketplace Requirements
The NDOI ensures that health insurance plans offered in the Marketplace meet the minimum requirements set forth by the ACA. These requirements include:
- Covering essential health benefits, such as doctor visits, hospital stays, and prescription drugs
- Offering a range of plan options, including different levels of coverage and cost
- Providing financial assistance to low- and moderate-income individuals and families
- Protecting consumers from discrimination and unfair practices
Consumer Assistance
The NDOI provides assistance to consumers navigating the Health Insurance Marketplace. This assistance includes:
- Answering questions about the Marketplace and health insurance plans
- Helping consumers enroll in coverage
- Investigating consumer complaints
- Educating consumers about their rights and responsibilities
Enforcement Actions
The NDOI has the authority to take enforcement actions against health insurance companies that violate the ACA’s requirements. These actions may include:
- Fines
- Suspensions
- Revocations of licenses
- Corrective action orders
Collaboration with Federal Agencies
The NDOI works closely with federal agencies, such as the Centers for Medicare & Medicaid Services (CMS), to implement and enforce the ACA’s Marketplace requirements. This collaboration ensures that the Marketplace operates smoothly and that consumers have access to affordable, quality health insurance coverage.
42. Nebraska’s Health Insurance Marketplace
Nebraska’s Health Insurance Marketplace is operated by the NDOI. The Marketplace is a federally facilitated Marketplace, meaning that it is run by the federal government. However, the NDOI is responsible for overseeing the Marketplace’s operations in Nebraska.
The Nebraska Health Insurance Marketplace offers a range of health insurance plans from different insurance companies. These plans vary in terms of coverage, cost, and deductibles. Consumers can compare plans and enroll in coverage through the Marketplace website or by calling the Marketplace call center.
| Year | Nebraska Marketplace Coverage |
|---|---|
| 2014 | 110,000 |
| 2015 | 125,000 |
| 2016 | 130,000 |
| 2017 | 125,000 |
| 2018 | 120,000 |
The Nebraska Health Insurance Marketplace has been successful in providing affordable health insurance coverage to thousands of Nebraskans. The Marketplace has also helped to reduce the number of uninsured Nebraskans.
The NDOI is committed to continuing to oversee the Health Insurance Marketplace and to ensure that it meets the needs of Nebraskans. The NDOI will also continue to work with federal agencies to implement and enforce the ACA’s Marketplace requirements.
Workers’ Compensation Insurance Regulation
In Nebraska, workers’ compensation insurance is regulated by the Department of Insurance, which ensures that employers comply with state laws and provides oversight of the insurance industry.
Licensing Requirements
All insurance companies offering workers’ compensation coverage in Nebraska must be licensed by the Department of Insurance. To obtain a license, companies must meet the following requirements:
- Financial solvency
- Experience and expertise in workers’ compensation insurance
- Compliance with state regulations
Policy Requirements
Workers’ compensation insurance policies issued in Nebraska must meet specific requirements set by the Department of Insurance, including:
- Coverage for all employees defined by state law
- Specific benefits and coverage limits for medical expenses, lost wages, and disability
- Compliance with state reporting and claim handling procedures
Rate Regulation
The Department of Insurance regulates the rates charged by insurance companies for workers’ compensation insurance. Rates are based on factors such as:
- Industry type
- Employer size and payroll
- Claims history and experience
Insurer Reporting Requirements
Insurance companies are required to submit regular reports to the Department of Insurance, including:
- Financial statements
- Claims data
- Rate filings
Enforcement
The Department of Insurance has the authority to enforce workers’ compensation insurance laws and regulations. Enforcement actions may include:
- Issuing fines or penalties
- Suspending or revoking licenses
- Ordering compliance with state requirements
44. Dispute Resolution
In the event of a dispute between an employer and an employee over workers’ compensation benefits, the Nebraska Workers’ Compensation Court has jurisdiction to resolve the dispute. The court conducts hearings and issues decisions based on the evidence presented.
| Dispute Resolution Process | Steps |
|---|---|
| Filing a Claim | Employee files a claim with the Nebraska Workers’ Compensation Court |
| Employer Response | Employer files a response and may request a hearing |
| Hearing | Hearing is held before a judge who hears evidence and testimony |
| Decision | Judge issues a decision granting or denying benefits |
| Appeal | Either party may appeal the decision to the Nebraska Court of Appeals |
The Workers’ Compensation Court also has jurisdiction to address disputes between insurance companies and employers over coverage or payment of benefits.
Additional Information
For more information on workers’ compensation insurance regulation in Nebraska, visit the Department of Insurance website or contact the Nebraska Workers’ Compensation Court.
Automobile and Homeowners Insurance Rates and Coverage
Coverage Options for Automobile Insurance
Nebraska’s Department of Insurance regulates the coverage options available for automobile insurance within the state. These options include:
- Liability coverage (bodily injury and property damage)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
Minimum Coverage Requirements
Nebraska law requires all motor vehicle owners to carry a minimum amount of liability insurance:
| Coverage Type | Minimum Amount |
|---|---|
| Bodily injury liability | $25,000 per person |
| Bodily injury liability | $50,000 per accident |
| Property damage liability | $25,000 per accident |
Coverage Options for Homeowners Insurance
The Nebraska Department of Insurance also regulates coverage options for homeowners insurance within the state. These options include:
- Dwelling coverage
- Other structures coverage
- Personal property coverage
- Loss of use coverage
- Personal liability coverage
- Medical payments to others coverage
Standard and Optional Coverages
Nebraska homeowners insurance policies typically include standard coverages, such as dwelling coverage, personal property coverage, and loss of use coverage. Optional coverages, such as flood insurance or earthquake insurance, may also be added to the policy.
Factors Affecting Insurance Rates
Several factors can affect the cost of automobile and homeowners insurance in Nebraska, including:
- Driving record
- Credit history
- Age
- Type of vehicle or home
- Location
- Coverage options selected
- Deductibles
How to Get Insurance Quotes
To obtain insurance quotes in Nebraska, consumers can contact individual insurance companies or use an insurance agency.
Filing a Complaint
If consumers have any questions or concerns about their automobile or homeowners insurance policies, they can contact the Nebraska Department of Insurance.
Insurance Bad Faith
The concept of insurance bad faith refers to situations where an insurance company breaches its contractual duties to an insured party, acting in a manner that is unreasonable or without proper cause. This can manifest in various ways, including:
- Unreasonable Delay: When an insurance company takes an excessive amount of time to process a claim or provide a settlement without justifiable reasons.
- Unfair Denials: Denying a covered claim without a valid basis or providing insufficient reasons for the denial.
- Misrepresentation: Providing false or misleading information to the insured regarding their policy or the claims process.
- Coercion: Pressuring the insured to accept a settlement that is significantly lower than the fair value of the claim.
Unfair Claim Handling Practices
In addition to bad faith, insurance companies may also engage in unfair claim handling practices that can harm the insured party. These include:
- Delaying the Claim Process: Intentionally slowing down the claims process to frustrate the insured and encourage them to abandon their claim.
- Offering Lowball Settlements: Providing an initial settlement offer that is substantially lower than the actual value of the claim.
- Refusing to Provide Coverage: Unreasonably denying coverage for a claim that is clearly covered under the policy.
- Using Unfair Investigation Tactics: Conducting biased or incomplete investigations to support a denial of the claim.
- Harassment: Engaging in aggressive or intimidating behavior toward the insured to discourage them from pursuing their claim.
Nebraska Department of Insurance (NDI)
The Nebraska Department of Insurance (NDI) is responsible for regulating the insurance industry in Nebraska and protecting the rights of consumers. The NDI has the authority to investigate complaints against insurance companies and take appropriate action, including:
- Investigations: Conducting investigations into allegations of bad faith or unfair claim handling practices.
- Enforcement Actions: Issuing fines, suspending or revoking licenses, and ordering companies to pay damages to policyholders.
- Consumer Assistance: Providing guidance and support to consumers who believe they have been treated unfairly by an insurance company.
Reporting Insurance Bad Faith or Unfair Claims Handling Practices
If you believe you have been subjected to insurance bad faith or unfair claim handling practices, you can report it to the NDI by:
- Submitting a Complaint: Filing a complaint with the NDI online, by phone, or in writing.
- Providing Documentation: Supporting your complaint with relevant documentation, such as correspondence with the insurance company, policy information, and evidence of damages.
Legal Remedies
If the NDI investigation supports your complaint, you may have legal remedies available to you, including:
- Filing a Lawsuit: Pursuing a civil lawsuit against the insurance company for damages and penalties.
- Seeking Punitive Damages: In cases of egregious bad faith, you may be eligible for punitive damages to deter the insurance company from engaging in similar conduct in the future.
Table of Common Insurance Bad Faith Tactics
| Tactic | Description |
|---|---|
| Unreasonable Delay | Delaying the claims process excessively without justification. |
| Unfair Denials | Denying a claim without a valid basis or providing insufficient reasons. |
| Lowball Settlements | Offering an initial settlement that is significantly lower than the fair value of the claim. |
| Refusing Coverage | Unreasonably denying coverage for a claim that is clearly covered under the policy. |
| Coercion | Pressuring the insured to accept a settlement that is substantially lower than the fair value of the claim. |
| Harassment | Engaging in aggressive or intimidating behavior toward the insured to discourage them from pursuing their claim. |
Future of Insurance Regulation in Nebraska
1. Digitization and Automation
The rise of digital technologies is reshaping the insurance industry, and Nebraska is embracing these advancements. The department is exploring ways to digitize insurance processes, including licensing, rate approvals, and policyholder services. Automation can enhance efficiency, reduce costs, and improve transparency.
2. Data Analytics and Risk Management
The explosion of data in the insurance industry presents new opportunities for risk management and underwriting. Nebraska is leveraging data analytics to identify patterns, assess risks, and develop more sophisticated insurance products. This enables insurers to provide more customized and risk-based coverage to policyholders.
3. Consumer Protection and Transparency
Protecting consumers remains a top priority for the Nebraska Department of Insurance. The department is strengthening consumer protection laws and regulations to ensure fair and transparent insurance practices. This includes initiatives to enhance consumer education and facilitate access to insurance information.
4. Insurance Innovation and Market Disruption
The emergence of new technologies and business models is disrupting traditional insurance markets. Nebraska is fostering innovation by providing a supportive regulatory environment for startups and technology companies. The department is working to balance innovation with consumer protection and market stability.
5. Climate Change and Environmental Risk
Climate change poses significant risks to the insurance industry. Nebraska is developing strategies to mitigate the impact of extreme weather events, such as floods, tornadoes, and droughts. The department is working with insurers to enhance underwriting standards and promote resilience.
6. Cybersecurity and Data Privacy
As insurance companies increasingly rely on technology, cybersecurity risks are growing. Nebraska is prioritizing cybersecurity measures to protect sensitive consumer data. The department is collaborating with insurers and regulators to establish best practices and mitigate threats.
7. Long-Term Care Insurance
The aging population is driving demand for long-term care insurance. Nebraska is working to ensure accessibility and affordability of these products. The department is evaluating policy reforms and encouraging insurers to develop innovative long-term care solutions.
8. Health Insurance Market
The Nebraska Department of Insurance plays a crucial role in regulating the health insurance market. The department is working to maintain a competitive and stable market that provides affordable and accessible healthcare coverage to all Nebraskans.
9. Property and Casualty Insurance
Nebraska is a leading state for property and casualty insurance. The department is working to ensure that insurers provide adequate and affordable coverage to homeowners, businesses, and farmers. This includes efforts to reduce fraud and protect consumers from unfair practices.
10. Workers’ Compensation
The Nebraska Workers’ Compensation Court administers the workers’ compensation system in the state. The court is responsible for ensuring that injured workers receive fair and timely benefits. The department is supporting the court’s efforts to improve efficiency and reduce costs.
11. Life Insurance and Annuities
Nebraska is working to promote financial security for its residents. The department is encouraging the sale of life insurance and annuities, which provide long-term financial protection and retirement savings. The department is also working to protect consumers from unscrupulous insurance practices.
12. Licensing and Regulation
The Nebraska Department of Insurance is responsible for licensing and regulating insurance companies, agents, and brokers. The department is working to streamline licensing processes, reduce regulatory burdens, and ensure that all insurance professionals meet ethical and professional standards.
13. Consumer Education and Outreach
The Nebraska Department of Insurance is committed to educating consumers about insurance. The department provides resources and guidance on a wide range of insurance-related topics, including health insurance, auto insurance, and long-term care insurance. The department also conducts outreach programs to reach underserved communities.
14. Interagency Collaboration
The Nebraska Department of Insurance collaborates with other state agencies, such as the Department of Banking and Finance, to ensure coordinated regulation of the financial services industry. The department also works with federal agencies, such as the National Association of Insurance Commissioners, to share best practices and develop national insurance standards.
15. International Cooperation
The Nebraska Department of Insurance participates in international cooperative efforts to address cross-border insurance issues. The department collaborates with regulators in other countries to exchange information, share expertise, and promote international insurance standards.
16. Insurance Education and Research
The Nebraska Department of Insurance supports insurance education and research. The department provides scholarships to students pursuing insurance-related degrees and supports research projects that advance the understanding of insurance issues.
17. Stakeholder Engagement
The Nebraska Department of Insurance actively engages with stakeholders, including insurance companies, consumer advocates, and community groups. The department holds public hearings, conducts stakeholder meetings, and seeks feedback to ensure that its policies and regulations reflect the needs of all Nebraskans.
18. Economic Development
The Nebraska Department of Insurance recognizes the importance of insurance to economic development. The department works to create a favorable regulatory environment that attracts insurance companies and promotes business growth. The department also supports efforts to develop Nebraska’s insurance workforce.
The Nebraska Department of Insurance
The Nebraska Department of Insurance regulates the insurance industry in Nebraska. The department is responsible for licensing and regulating insurance companies, agents, and brokers. It also investigates complaints from consumers and enforces insurance laws and regulations.
The Nebraska Department of Insurance is committed to protecting the interests of Nebraska consumers. The department provides information and assistance to consumers on a variety of insurance topics. It also works to ensure that insurance companies are financially sound and that they provide fair and equitable treatment to consumers
People Also Ask About Nebraska Department of Insurance
What is the mission of the Nebraska Department of Insurance?
The mission of the Nebraska Department of Insurance is to protect the interests of Nebraska consumers. The department does this by regulating the insurance industry, providing information and assistance to consumers, and working to ensure that insurance companies are financially sound and that they provide fair and equitable treatment to consumers.
How do I file a complaint with the Nebraska Department of Insurance?
You can file a complaint with the Nebraska Department of Insurance by calling 1-800-308-2955 or by visiting the department’s website at https://doi.nebraska.gov/.
How do I find out if an insurance company is licensed in Nebraska?
You can find out if an insurance company is licensed in Nebraska by visiting the Nebraska Department of Insurance website at https://doi.nebraska.gov/.