The Tennessee Department of Commerce and Insurance publishes a Fraud Investigation page for its Insurance Division’s Financial Services Investigation Unit (FSIU). TDCI states the section investigates allegations of abuse, fraud, waste, and other violation of state or federal law, and is responsible for investigating fraud committed by licensed entities offering insurance products in Tennessee.
Licensed entities include but are not limited to insurance producers, agents, agencies and companies. TDCI also states this section does not investigate fraud committed by a consumer against an insurance company — that kind of fraud is handled by local law enforcement. This article restates the public FSIU process. Informational only — no coverage, price, or eligibility promise.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What does TDCI’s Financial Services Investigation Unit (FSIU) investigate?
| Item | Detail |
|---|---|
| Unit | Financial Services Investigation Unit (FSIU) |
| Scope (TDCI) | Abuse, fraud, waste, and other violation of state or federal law by licensed entities |
| Licensed entities (examples) | Insurance producers, agents, agencies and companies |
| Not handled by FSIU | Fraud by a consumer against an insurer (local law enforcement) |
| Mail address | TDCI Financial Services Investigation Unit, 500 James Robertson Parkway 11th Floor, Nashville, Tennessee 37243-0600 |
TDCI says the section ensures allegations of fraud related to the Department are investigated in a manner that best serves the insurers and policyholders of Tennessee, and that the section functions both on a proactive and referral basis.
Who counts as a licensed entity under the fraud page?
TDCI says licensed entities include but are not limited to insurance producers, agents, agencies and companies.
Does FSIU investigate fraud by a consumer against an insurance company?
No. TDCI states this section does not investigate fraud committed by a consumer against an insurance company. That kind of fraud is handled by local law enforcement.
Where do you mail a signed FSIU complaint?
TDCI Financial Services Investigation Unit, 500 James Robertson Parkway 11th Floor, Nashville, Tennessee 37243-0600. TDCI also links a PDF complaint form and an online complaint form on the same page.
What should you include with an FSIU complaint?
TDCI says include copies of any relevant documents, such as: certificates of insurance, policy documents, sales literature, account statements, cancelled checks, confirmations, correspondence, or any other relevant materials.
What happens after FSIU receives a complaint?
Upon receipt, an investigator will be assigned to your case and you will be mailed a letter acknowledging the receipt of your complaint. Your complaint will be reviewed by an investigator to determine whether the complaint provides reasonable suspicion to believe that there has been a violation of Tennessee Insurance Law. If so, an official investigation will be opened. You will be contacted if further investigation or action is required, and you will be notified when your complaint is closed and given the reason for the closure.
Is this article a coverage or eligibility promise?
No. It restates TDCI’s public Fraud Investigation / FSIU process. Informational only — no coverage, price, or eligibility promise.
Where can someone request a free local policy review?
Call All Seasons Insurance Group at 865-263-1400 or use asigtn.com/get-a-quote. For FSIU complaints, use TDCI’s complaint forms and the Nashville 11th Floor address above.
Seasons change. So should your coverage.
