Colorado consumers received more than $12.5 million in recovered insurance benefits during the last fiscal year, said the Colorado Division of Insurance in its annual complaint report.

The amount is more than the $11.7 million given back to consumers in the previous fiscal year.

The division recently published its annual analysis of the consumer complaints it received during the fiscal year 2011-2012.The report covers the most common insurance areas: annuities, auto, health, homeowners, liability, life and title insurance. Altogether, the division handled more than 4,000 complaints last year.

The money given back to state residents included additional claims payments, overturned denial of benefits, reinstatements of coverage and cancellation of insurance policies.

Half of all consumer complaints were about car insurance, while another 20 percent covered health insurance. Homeowners insurance complaints were 17.6 percent of the total number.

Complaints must be filed in writing on the division’s website, or mailed to the division’s office. Each complaint is researched by the consumer affairs staff and companies are contacted to respond. Errors made by insurance companies may result in refunds, restoration of benefits or in some cases, a change in the way insurers to business.

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Go to to read the entire report.