Consumer Resources
Consumer Insurance Services Section - Michael Barber, Director
(615) 741-2218 or 1-800-342-4029
Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes.
The educational programs cover a vast array of insurance and insurance related issues, disaster assistance and referrals to special programs.
The primary responsibility is the investigation and mediation of insurance claims and other insurance related disputes as a third-party mediator. Investigators are trained to determine if the involved insurance company and/or producer is acting in accordance with Tennessee laws, rules and regulations.
Artificial Intelligence (AI) Notice: It is important to note that AI tools can provide or generate inaccurate information about insurance topics through its interpretations and summaries of policy documents, emails, letters, websites, and state insurance regulations and laws. Insurance regulation is state-specific, and AI tools can provide incorrect information to consumers when asked general insurance questions. This is more pronounced when AI tools are asked very specific insurance questions or asked to analyze an insurance document, regulation, or statute.
Utilizing incorrect information provided by an AI tool may increase the time it takes to review and resolve your complaint due to the time needed to fact-check information provided to the Division through the use of AI. We encourage you to confirm that the information generated by AI is accurate by consulting other sources prior to sending any AI driven correspondence to the Division.
Policy Analysis Section - Zachary Crandall, Director
(615) 741-2825
ins.policy.analysis@tn.gov
Life and Health Unit - This unit reviews life, health, and credit life, long-term care, disability and legal insurance policy rates, rules and forms filed by licensed companies, to determine compliance with Tennessee statutes. It also handles annual certifications from utilization review agents and answers questions about all life and health issues.
Property and Casualty Unit - This unit reviews personal and commercial property and casualty policy rates, rules and forms filed by licensed companies to determine compliance with Tennessee statutes. It also reviews vehicle protection products warranty programs for compliance with Tennessee Law and answers questions about all property and casualty insurance matters.
Workers Compensation Unit - This unit reviews rates, rules and form filings associated with Workers' Compensation insurance. It also oversees the administration of Tennessee Workers Compensation Insurance Plan (assigned risk pool) and answers questions about workers' compensation insurance and takes inquiries from persons aggrieved by the application of workers' compensation rating systems.
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