Consumer Protection
Transparent practices ensuring fair treatment of all customers, clear claims processes, and effective complaint resolution. Our consumer protection program is designed to meet or exceed regulatory requirements and industry best practices.
Consumer Protection Commitment
Daily Event Insurance is committed to treating all customers fairly and honestly. We believe in transparent pricing, clear communication, prompt claims handling, and accessible complaint resolution. Our practices are designed to comply with state Unfair Claims Settlement Practices Acts and insurance consumer protection regulations.
Your Rights as a Customer
Fundamental rights we guarantee to all customers.
Clear & Accurate Information
All policy terms, coverage, exclusions, and pricing disclosed in plain language
Policy documents reviewed for readability; coverage summaries provided
Fair Pricing
Premiums based on actuarially sound principles without unfair discrimination
Rate filings with state regulators; pricing transparency
Timely Service
Prompt response to inquiries, policy issuance, and claims processing
SLA monitoring; automated acknowledgments; escalation procedures
Privacy Protection
Personal information protected and used only for legitimate purposes
CCPA compliance; data minimization; secure handling
Fair Claims Handling
Claims evaluated promptly, fairly, and in good faith
Documented procedures; reasonable deadlines; clear communication
Complaint Resolution
Effective process to address concerns and resolve disputes
Multiple channels; tracking system; escalation path
Claims Process
Step-by-step process for filing and resolving claims with guaranteed timelines.
Claim Submission
24-hour acknowledgmentCustomer submits claim through portal, email, or phone
Initial Review
3 business daysClaim reviewed for coverage and completeness
Investigation
15 business daysGather facts and assess claim validity
Decision
30 days from submissionClaim approved, denied, or partial payment determined
Payment/Resolution
5 business days after decisionPayment issued or denial explanation provided
Complaint Handling Process
We take all complaints seriously and have established clear procedures for resolution.
- Complaint logged in tracking system
- Acknowledgment sent within 24 hours
- Unique reference number assigned
- Initial categorization
- Assigned to appropriate team
- Facts gathered and reviewed
- Customer contacted if needed
- Resolution options identified
- Decision communicated in writing
- Explanation of resolution provided
- Appeal process explained if denied
- Follow-up to confirm satisfaction
- Senior review if customer dissatisfied
- Compliance officer involvement
- Regulatory liaison if required
- Final determination communicated
How to File a Complaint
Phone
Speak with customer service
(855) 246-8888Mon-Fri, 9am-6pm EST
Unfair Claims Settlement Practices Act Compliance
Our practices are designed to comply with state UCSPA requirements.
No Misrepresentation
All policy terms and benefits accurately represented
Prompt Investigation
Claims investigated within reasonable timeframes
Good Faith Communication
Honest, clear communication about coverage and claims
Timely Payment
Valid claims paid promptly after determination
Reasonable Standards
Investigation standards that are reasonable for claim size
No Undue Delay
No delaying tactics or unnecessary documentation requests
Fair Settlement
Settlement offers reflect actual policy value
Honest Denial
Denials based on legitimate policy grounds only
Required Disclosures
| Document | Timing | Contents |
|---|---|---|
| Policy Summary | Before purchase | Coverage overview, key exclusions, premium, deductibles |
| Full Policy Document | At purchase | Complete terms, conditions, exclusions, definitions |
| Certificate of Insurance | At purchase | Proof of coverage, policy number, coverage dates, limits |
| Claims Information | At purchase and claim | How to file, timeline, required documentation |
| Cancellation Terms | At purchase | Refund policy, cancellation procedure, pro-rata terms |
| Complaint Procedure | At purchase | How to file complaints, contact information, escalation |
Appeals Process
If you disagree with a claims decision, you have the right to appeal.
Step 1: Internal Appeal
- • Submit written appeal within 60 days
- • Include new information or arguments
- • Review by different adjuster
- • Decision within 30 days
Step 2: Senior Review
- • If internal appeal denied
- • Review by compliance officer
- • Comprehensive file review
- • Decision within 15 days
Step 3: External Options
- • State insurance department complaint
- • Mediation or arbitration
- • Legal action if necessary
- • We provide regulatory contacts