Monday, December 27, 2010

Stranded traveler? Here are some things to check

The weather on the East Coast has clearly scrambled plans for a lot of travelers this holiday; here are some tips that might help as you sort out your plans for getting home.

If you're wondering what your rights are, do an online search for the name of your airline and the words "contract of carriage." (Here, for example, is a summary of United's.) This is your contract with the carrier. If you feel they're violating it, you can file a complaint here. The bad news: Travel experts say that airlines generally aren't obligated to provide meals or a hotel if the problem is weather-related.

Also, if you used a credit card to buy the ticket, check with your credit card company. Cards come with a variety of perks, and you may have trip coverage without knowing it. Mastercard, for example, offers many cardholders reimbursement for lost or delayed baggage and trip cancellation insurance, as long as the tickets were paid for with an eligible MasterCard card.

For general information on travel insurance, see our page on this topic, which spells out the types of coverage and what they mean, in plain language. We're not trying to sell you anything; we're the state agency that regulates insurance in Washington state.

Lastly, here's the list of toll-free numbers for airlines.

Good luck.

Tool to compare insurance companies by the number of complaints

One of the most-used features of our website is our "Complaint Comparison Tool," a free and simple online tool that lets you compare the number of complaints filed by consumers against different insurance companies.

The information's broken down by year and by type of insurance (health, life, homeowners, auto, etc.). It also compares the number of complaints to an insurer's market share, which makes for easy apples-to-apples comparisons with other companies.

Take a look. We've posted 5 years' worth of data, and should be posting more soon.