Complaint Handling Policy

We're committed to resolving your concerns promptly and fairly

At InsureDirect LLC, we strive to provide excellent service to all our customers. However, we understand that sometimes issues may arise. We take all complaints seriously and are committed to resolving them quickly, fairly, and professionally.

This page outlines our complaint handling process and provides information about additional resources available to you if you are not satisfied with our response.

How to File a Complaint with InsureDirect LLC

If you have a complaint about our services, we encourage you to contact us directly first. We are committed to resolving issues at the earliest opportunity.

Contact Methods:
support@insuredirectonline.com — Attn: Operating Director(704) 810-2079
Mailing Address:
InsureDirect LLC · Attn: Complaint Resolution
819 N Wendover Road · P.O. Box 220104 · Charlotte, NC 28211

Our Complaint Resolution Process

1

Acknowledgment

We will acknowledge receipt of your complaint within 2 business days and provide you with a reference number for tracking purposes.

2

Investigation

We will thoroughly investigate your complaint, which may include reviewing records, speaking with relevant staff members, and gathering additional information from you if needed.

3

Response

We aim to provide a substantive response to your complaint within 15 business days. For complex matters, we will keep you informed of our progress and provide an estimated resolution timeframe.

4

Resolution

Our response will explain our findings, any actions we will take, and the reasoning behind our decision. If we are unable to resolve your complaint to your satisfaction, we will inform you of additional options available to you.

Common Types of Complaints

Service Issues

Concerns about customer service, response times, or communication

Quote or Policy Issues

Questions about quotes, policy terms, coverage, or pricing

Billing or Payment

Issues related to billing, payments, refunds, or fees

Claims Assistance

Concerns about claims handling or carrier communication

Privacy or Security

Concerns about data privacy, security, or unauthorized access

Other Concerns

Any other issues or concerns about our services

North Carolina Department of Insurance

If you are not satisfied with our response to your complaint, or if you prefer to file a complaint directly with the state regulator, you may contact the North Carolina Department of Insurance.

Consumer Services Division

North Carolina Department of Insurance · 1201 Mail Service Center · Raleigh, NC 27699-1201

Phone: (919) 807-6750  |  Toll-Free: (855) 647-6167

Website: www.ncdoi.gov

Online Complaint Filing:File Complaint with NC DOI

Additional Resources

National Association of Insurance Commissioners (NAIC)

The NAIC provides consumer information and can help you find your state insurance department.

Visit NAIC Consumer Resources →

Better Business Bureau (BBB)

You may also file a complaint with the Better Business Bureau.

File BBB Complaint →

What to Include in Your Complaint

To help us investigate and resolve your complaint as quickly as possible, please include the following information when you contact us:

Your full name and contact information (phone and email)
Your policy number or quote reference number, if applicable
The date(s) the issue occurred or was first noticed
A clear description of the problem and what outcome you are seeking
Names of any InsureDirect LLC staff members you spoke with
Copies of any relevant documents, emails, or correspondence

The more detail you provide, the faster we can investigate and respond. All complaint information is treated confidentially and used solely for the purpose of resolving your concern.

Your Rights as a North Carolina Insurance Consumer

North Carolina provides strong consumer protections for insurance buyers. As a policyholder or insurance applicant in NC, you have the right to:

Fair Treatment: Insurance companies and agents in NC are prohibited from engaging in unfair or deceptive trade practices under NC General Statute Chapter 58.
Prompt Claims Handling: NC law requires insurers to acknowledge claims promptly, investigate them thoroughly, and pay or deny them within specific timeframes.
Rate Transparency: North Carolina is a prior-approval state — all insurance rates must be approved by the NC Department of Insurance before carriers can use them. You have the right to understand how your rate was determined.
Non-Discriminatory Underwriting: Carriers cannot use certain factors — such as race, religion, or national origin — in underwriting or rating decisions.
Access to Your Policy: You are entitled to receive a complete copy of your insurance policy and any endorsements within a reasonable time after purchase.
Complaint Resolution: You have the right to file a complaint with the NC Department of Insurance at any time if you believe an insurer or agent has treated you unfairly.

InsureDirect LLC d/b/a AssureArc is licensed by the NC Department of Insurance (License #3004145347, NPN: 22167766) and is subject to NCDOI oversight. We take our regulatory obligations seriously and are committed to upholding the consumer protection standards established by NC law.

Our Commitment to You

We will treat your complaint seriously and handle it fairly and objectively

We will keep you informed throughout the complaint resolution process

We will use complaints as an opportunity to improve our services

We will not retaliate against you for filing a complaint

We will maintain confidentiality of your complaint information

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