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Claim-handling issues made up the top three reasons consumers filed formal complaints against their insurance companies in 2006, according to a survey recently conducted by the National Association of Insurance Commissioners.

The culprits for the complaints centered on claim delays, denials of claims, and unsatisfactory settlements or offers. Two other issues — policy cancellation and premium cost — completed the top five list, which NAIC develops every year based on information it receives from states on closed complaints. According to the NAIC, a closed complaint is one that has been investigated and resolved to the satisfaction of the state or jurisdiction in which it was filed.

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