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What should I do if I am having trouble settling my claim?
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.
- 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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RIGHTS RESERVED -
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