NC state DMV

How can I report to DMV for wrong doing to colle ting extra money in auto insurance when I am not suppose to paying ?

If you believe your auto insurance company is wrongly collecting extra money from you, you should generally report it to your state's Department of Insurance (DOI), not the Department of Motor Vehicles (DMV).

Here's why and how to proceed:

Who regulates insurance? State Departments of Insurance (or similar agencies, sometimes called Offices of the Commissioner of Insurance) are the primary regulators of insurance companies. They handle complaints about policy terms, premiums, claims, and alleged fraud by insurance providers.

What does the DMV handle? The DMV primarily deals with vehicle registration, driver's licenses, and issues directly related to vehicle operation and titling. While they may have some oversight related to proof of insurance for vehicle registration, they typically don't regulate the financial practices or premium calculations of insurance companies. However, if the "wrongdoing" involves issues like incorrect vehicle information being submitted to the DMV to inflate your premium, or fraudulent actions related to your vehicle registration that affect your insurance, then the DMV might be involved.

Steps to take:

Gather all documentation:

Your insurance policy documents.

Statements or bills showing the charges you believe are incorrect.

Any correspondence (emails, letters) with your insurance company regarding this issue.

Notes from phone calls, including dates, times, and the names of people you spoke with.

Contact your insurance company first: Before filing a formal complaint, always try to resolve the issue directly with your insurance company. Explain your concerns clearly and provide them with your documentation. Keep a record of this communication.

File a complaint with your state's Department of Insurance (DOI):

Find your state's DOI: A quick search for "[Your State] Department of Insurance" will lead you to their official website.

Look for "Consumer Complaints" or "Report Fraud": Most DOIs have an online portal or a downloadable form for filing complaints.

Provide detailed information: Be as specific as possible about the "wrongdoing," including dates, amounts, policy numbers, and any relevant names. Attach copies of all your supporting documentation.

Consider other avenues (depending on the nature of the wrongdoing):

Federal Trade Commission (FTC): For broader consumer fraud issues, you can report it to the FTC at ReportFraud.ftc.gov. While they may not resolve individual cases, your report helps them identify patterns and take action against fraudulent practices.

State Attorney General's Office: Your state's Attorney General often has a consumer protection division that handles various types of fraud and unfair business practices.

Important Note: If you are in North Carolina, the North Carolina Department of Insurance (NC DOI) is the correct agency to contact for insurance fraud or overcharging. You can report insurance fraud online or by phone at 919-807-6840 or toll-free at 888-680-7684 (NC Only). They also have a general consumer assistance line at 855-408-1212.