DOI complaint. DOI stands for Department of Insurance. They are the government agency that deals with insurance companies. Insurance companies are required to address DOI complaints. If they don't, the DOI can shut down the company. No company is going to ignore a DOI complaint at the risk of having their operations shut down in an entire state. A DOI complaint is very easy to do and the directions can be found online. It is serious and actually effective, unlike complaining to the BBB.