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What can I do if I am having trouble settling my claim?
If you are
unsatisfied with how your insurance company is handling your claim, you
have several options:
Talk to the agent or company
representative who sold you the policy
Let the agent know that you are dissatisfied and explain the specifics
of your problem.
Contact the claims manager of the
company
Provide a written explanation of your problem with copies of supporting
documentation. Remember to send only a copy and not any original
documentation. If you are insured with a smaller company, consider
writing directly to the president. Going to the top can sometimes speed
the process.
Contact your state insurance department
Insurance is a regulated industry and your state department of
insurance should be able to help you resolve your problem.
Call the National Insurance Consumer
Help line
This toll-free telephone service (800-942-4242) can help you work with
your insurance company to solve the problem.
Consult an attorney
If you have tried all four of the above tips and still can’t resolve
the claim, you may want to talk to an attorney. You may have to pay a
consultation fee for your initial visit, so make sure you know how much
this will cost. Meet with an attorney who has solid references or get
the name of someone from your local bar association. Prepare for the
visit by bringing a copy of your insurance policy and other relevant
documents. Get the fee structure in writing before you decide to pursue
the case. |
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