The state recovered about $3.4 million in unpaid insurance money for Oregonians last year.

The Oregon Division of Financial Regulation says it investigated more than 4,000 insurance complaints last year. They came from people who said their claims were underpaid or who disputed the settlement their insurance offered.

Claim denials and delays topped the list of reasons people filed complaints with the state.

The two types of insurance that received the most complaints were health insurance at 36 percent and auto insurance at 30 percent.

Approximately 75 percent of recovered insurance money came from life and health insurance claims.

“Helping consumers understand their policies and making sure they receive the money they are owed is one of the most gratifying and important parts of our jobs,” said Andrew Stolfi, Oregon insurance commissioner.

“We want consumers to contact us anytime they have questions or concerns about their insurance or financial products,” Stolfi said.

People with insurance complaints should contact the Oregon Department of Consumer and Business Services.