What recourse do consumers have in Connecticut if their claims are denied?

Consumers in Connecticut have the option to appeal to the insurer after a claim has been denied, providing them with a means to contest the insurer's decision. This appeals process allows the consumer to present their case and any supporting documentation to the insurer for another review, which can potentially lead to the claim being reconsidered favorably. If the appeal does not result in a satisfactory resolution, consumers can file a complaint with the State Insurance Department. This department acts to ensure that insurance companies operate fairly and in compliance with the law, providing consumers with a channel to seek recourse when they believe their rights have been violated.

This approach advocates for a structured resolution process, offering consumers a way to address grievances effectively before resorting to more drastic measures. It avoids immediate legal action, which can be time-consuming and costly, and instead encourages engagement with the insurer and regulatory bodies, illustrating a preference for a resolution that does not require litigation unless absolutely necessary.