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Maryland Insurance Complaints – Tagle Makes Changes Maryland Insurance Commissioner Martin R. Tagle has been in office since 1994 and has worked diligently to ensure that the Maryland insurance market remains competitive and affordable. The commissioner has a large number of complaints lodged against him and the results of these complaints have led him to change the way he goes about dealing with insurance companies and to give more consideration to customer complaints and other evidence before he makes decisions regarding insurance policy policies. Since his appointment as Maryland Insurance commissioner, he has received numerous complaints from residents about a number of insurance policies. Most of the complaints concerned about the cost of premiums and the coverage they were receiving. The commissioner has tried to deal with the complaints by providing additional benefits to policies that the residents feel are needed. One of the insurance commissioner complaints is about premium increases and the lack of any changes in the rate structure of some of the insurance companies. According to Tagle, when a company raises its premium the savings are passed on to the policyholders who end up paying more for their insurance policies. In response, he has introduced new guidelines for determining the amount of premium increases that should be allowed. Another one of the complaints concerns the reduction of policy limits. This type of limit reduction was allowed under the former Maryland Insurance Code, but it was not allowed under current Code. According to the commissioner, policyholders are now able to reduce the limits of their policies by up to 50 percent on their insurance policies. If the policyholder is not satisfied with the policyholder's choice of decreasing the limit, they may file a complaint to the commissioner. Another of the commissioner complaints is regarding the changes that the commissioner made in the policyholder education package. In the past, policyholders were required to take an education course about insuring cars and other automobiles, but under Tagle's policy the commissioner changed this requirement to allow for the policyholder to learn more about the benefits of insuring commercial vehicles. One of the other commissioner complaints concerns the price of carriers. As previously stated, gimgoi.com states that there are some insurance carriers that charge more than others for policies because they tend to have higher premiums. However, according to Tagle, the new pricing system that he implemented, including the introduction of a new discount plan for residents of Maryland, has helped to keep the rates for insurance policies at a reasonable level. Tagle also says that he will be working hard to find ways for people to increase the amount that they pay for their insurance premiums. He hopes that more people will become aware of discounts and other ways to lower their insurance costs, which will hopefully result in more policies purchased by policyholders. Tagle states that he plans on meeting with each of his customers in person and also making telephone calls to ensure that they are satisfied with their insurance policy. He has also promised to hold meetings with insurance representatives to answer any concerns that his customers have about their insurance policies. If you have a complaint or concern about your insurance policy that you do not feel was properly resolved, you should immediately consult with your Maryland insurance agent. If you are having any other complaints with your insurance policy or with Tagle personally, you should speak to your policyholder before you speak to your insurance agent. Your policyholder may be able to offer better advice or solutions to your problem. When speaking to your Maryland insurance agent, make sure that you have a list of questions ready. Before you discuss with the insurance agent you want to ask questions that pertain to your policy, be sure that you have the answers to these questions in hand. For example, if you have a question about how much the new deductible on your insurance policy is, it would be helpful to ask the insurance agent what the current deductible is. There are other commissioner complaints that pertain to the changes that Tagle has made in Maryland insurance law, including the fact that he plans to continue to study the costs of insurance. The commissioner does not wish to increase the cost of insurance and he also does not want to make policyholders wait too long to buy their insurance coverage.