workers-compensation Complaint #CT-7046019-2b894edf

Complaint Details

Insurer: Property and Casualty Insurance Company of Hartford
Insurance Type: workers-compensation
Coverage Type: Workers' Compensation
Reason: Audit Dispute | Underwriting | Company Position Overturned
State: Connecticut
Date Filed: 2022-06-22
Disposition: Company Position Overturned

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Insurer node: Property and Casualty Insurance Company of Hartford
Product node: workers-compensation complaints for Property and Casualty Insurance Company of Hartford
State/product node: workers-compensation complaints in Connecticut
State category node: workers-compensation complaints in Connecticut
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Complaint Summary

A consumer in Connecticut filed a workers-compensation insurance complaint against Property and Casualty Insurance Company of Hartford regarding audit dispute | underwriting | company position overturned. The complaint was filed on 2022-06-22 and involves a dispute over the insurer's handling of the policyholder's claim or policy matter. The consumer seeks resolution through the regulatory complaint process. Current disposition: Company Position Overturned.

Risk Assessment

Risk Level: Low

This complaint involves a audit dispute | underwriting | company position overturned, which is typically a procedural or administrative issue. These matters are often resolved through direct communication with the insurer's customer service or complaints department. If initial efforts don't resolve the issue, escalating to a state DOI complaint is recommended.

State Regulatory Information

Connecticut Insurance Department handles consumer complaints. File at portal.ct.gov/cid or call 1-800-203-3447.

Frequently Asked Questions

What should I do if Property and Casualty Insurance Company of Hartford denies my workers-compensation insurance claim?

If your claim is denied, request a detailed written explanation citing the specific policy provision. Review your policy carefully, gather supporting documentation, and file a formal appeal within the deadline stated in your denial letter. You can also file a complaint with the Connecticut Department of Insurance for an independent review.

How do I file a complaint against Property and Casualty Insurance Company of Hartford with my state insurance department?

Contact the Connecticut Department of Insurance through their website or consumer hotline. You will need your policy number, claim number, a description of the issue, and copies of relevant correspondence. Most states allow online complaint filing and will investigate within 30-60 days.

What is a workers-compensation insurance complaint ratio and what does it mean?

The complaint ratio (also called the NAIC Complaint Index) measures how many complaints an insurer receives relative to its market share. A ratio above 1.0 means the company receives more complaints than expected for its size. A ratio below 1.0 indicates fewer complaints than the industry average.

How long does Property and Casualty Insurance Company of Hartford have to respond to my workers-compensation insurance claim?

Most states require insurers to acknowledge claims within 15 days and make a coverage decision within 30-45 days. Prompt payment laws vary by state — Connecticut has specific statutory timeframes. If these deadlines are missed, you may have grounds for a bad faith complaint.

Can I sue Property and Casualty Insurance Company of Hartford for audit dispute | underwriting | company position overturned on my workers-compensation policy?

You may have legal options including filing a bad faith lawsuit if the insurer unreasonably denied, delayed, or underpaid your claim. Before litigation, exhaust the insurer's internal appeals process and file a complaint with your state DOI. Many attorneys offer free consultations for insurance disputes. Deadlines (statutes of limitation) vary by state.