Rights and Responsibilities

​Insurance companies, brokers and agents are committed to safeguarding your rights when you shop for insurance and submit a claim following a loss.

​Consumer Rights

The Insurance Industry’s Code of Consumer Rights and Responsibilities summarizes the core rights that consumers have when purchasing home, auto or business insurance. These rights include the right to clear information about the coverage and claims settlement process, and the right to information about how an insurance sales representative is being paid. Consumers also have the right to resolve a complaint and the right to privacy.

Consumer Responsibilities

As an insurance consumer, you also have responsibilities. Your key responsibility is to share pertinent and timely facts about your car, property and business with your insurer. Insurance is a contract. The insurer and the consumer share the responsibility to act in good faith at all times in their dealings with each other.

The Insurance Industry’s Code of Consumer Rights and Responsibilities.