State RegulationsFL specificDifficulty 2/5
A Miami policyholder believes her long-term care claim was wrongly denied and wants free state help resolving the dispute. What is her best first step?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The Division of Consumer Services of the Florida Department of Financial Services assists insurance consumers at no charge in resolving disputes with insurers and agents, including disputed claim denials, and can seek informal resolution before more formal avenues are pursued. This consumer-assistance function is a core duty of DFS under the Chief Financial Officer.
Why the other options are wrong
- A) Litigation is a costly later option; the state provides a free complaint-and-assistance path through the Department of Financial Services first.
- B) A claim denial dispute is not insurance fraud; the Division of Insurance Fraud addresses deliberate schemes to obtain insurance money.
- C) The Financial Services Commission oversees regulators and rulemaking; it does not adjudicate an individual policyholder's claim.
Memory hook
Claim fight? Let DFS Consumer Services knock first.