Our Programs
The place to go the day your claim goes wrong.
Plain English guides to every category of insurer misconduct: wrongful denial, delay tactics, lowball offers, failure to investigate, misrepresented policy language, refusal to defend, and the special problems of third party and self insured claims.
Step by step guides for all fifty states: how to file a complaint with your insurance department, the deadlines insurers must meet, how to appeal a health denial, and when a regulator can help you and when they cannot.
Search professionals who work for policyholders, not insurers: bad faith and coverage attorneys, licensed public adjusters, collision repair shops, patient and billing advocates, independent appraisers, contractors, and funeral service providers. Providers are listed with credentials and consumer reviews.
Your claim experience becomes part of a national record of how insurers actually treat their customers. Documented stories power our research and our voice.
Regulators collect the data. We make it count.
The Fairness Score grades every major insurer, by line of insurance, on how it behaves when it owes people money. Four sources feed it: official complaint records, federal denial and appeal data, our annual survey of the professionals who face these companies every day, and documented consumer experiences.
The methodology is public, the underlying data is checkable, and no company can pay to change a score, because no company can pay us at all.
Companies that treat customers fairly deserve to win customers. Companies that do not deserve to be seen clearly. Over time, we believe this changes how America buys insurance, and that changes how insurers behave.
Price tells you what a policy costs. The Fairness Score tells you if it will pay.
Illustrative example. Scores and methodology will be published with full source citations.
Where accountability meets a handshake.
The Council invites insurance carriers, state regulators, consumer advocates, and claims professionals to one table to define fair claims handling, commit to it publicly, and measure it annually.
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