I wonder how that works if a consumer has a complaint against the carrier. They complain to the DOI but the carrier is not even licensed to do business in the state and servicing a policy or settling a disputed claim is doing business.
You're venturing into the realm of very small chance in hell
if ever. Besides... the DOI in a given state is the popo for any and all insurance related business in that state. So no matter if that company is active in that state (selling policies) the DOI still has authority over it's conduct concerning a resident of that state.
Kinda like your state's AG filing suit against a company taking advantage of someone in your state. Even though the company is not physically IN that state their actions effected someone that was.