Trouble Settling an Auto Insurance Claim

Do you know what to do if your claim is not being handled to your satisfaction? Here are some tips you can follow:

  • Voice your discontent with the insurance company
    Don't be afraid to let the insurance company or your agent know that you are dissatisfied with their service. Talk to the head of the claims department or find out whether there is a consumer complaint division you can speak with.

  • Do your due diligence
    When you dispute a claim, you should make sure you have all the documentation and figures to back up your case. You will also need to lay out your argument in writing and include any important contact details the insurance company may need to easily get ahold of you.
  • Check your policy.
    Make sure you look over your insurance policy to see if your company offers arbitration or appraisal services to help settle your dispute. If so, they will be able to explain these options further.
  • Seek out your state insurance department
    You state insurance department may be able to help. Contact a customer service representative and explain your situation.
  • Have arbitrator hear your case
    You can have an independent arbitrator decide if the settlement you've been offered is a fair deal or not. Either your insurance company can refer you to one or you can contact the American Arbitration Association.
  • Hire an attorney
    If none of the above options help, you can seek out the help of an insurance attorney. Your state's bar association should be able to refer you to qualified legal counsel for free. Lawyers are expensive so this should be an option of last resort. Make sure you get their fee structure in writing ahead of time.

Once you settle your claim, you should review your insurance policy to ensure it offers adequate protection against future damages and liability.