If you are not
satisfied with how your claim is being handled, there are steps you can
take.
- Let your agent or company representative know that you are
unhappy.
If the agant or representative is unable to solve your problem, get
the name and phone number of the head of the insurer's claims
department. Your insurance company may also have a consumer
complaint department that can help.
- Be prepared to support your case.
Send documents and a letter explaining why you are not satisfied and
make sure you have the figures to back up your argument. Be certain
to include your address, claim number, day and evening phone numbers
and any other important identifying information.
- Review your auto insurance policy.
Most companies offer either arbitration or appraisal services to
help settle differences and disputes. Your insurance policy will
explain these options.
- Contact your state insurance department.
Explain the reasons for the disagreement to a consumer services
representative at the department.
- Call the National Insurance Consumer Helpline.
If after hearing from your insurance company's claims executive you
still feel your claim hasn't been handled properly, call
800-942-4242. It is a toll-free consumer information telephone
service sponsored by the insurance industry. Trained personnel and
licensed agents are available to assist consumers who have
complaints. The Helpline operates Monday - Friday, 8:00 a.m. - 8:00
p.m. ET.
- Contact an arbitrator to hear your case.
An independent arbitrator with experience in insurance matters can
decide if the settlement you were offered is fair. Your insurance
company may suggest an arbitrator or you can get your own from the
American Arbitration Association at 212-484-4000 ( or
http://www.adr.org
).
- Consult an attorney.
As a last resort, consult an attorney who specializes in auto
insurance. Each state’s bar association offers a free legal referral
service, which will give you names of qualified candidates.
Attorneys work either on an hourly rate or on a contingency basis,
depending on the type of case. Get the attorney's fee structure in
writing. You can remain current on the progress of your claim by
requesting that you receive copies from your attorney of all
correspondence. Your attorney must have your agreement before
committing to any settlement.
After your claim has been settled, take time to re-evaluate your auto
insurance coverage to make sure you have adequate protection to cover
you against any future damage or liability claims.
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