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How do I handle insurance claim disputes?
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If you disagree with the amount of money your insurance company wants to pay on an accident claim, you do have several options that you can pursue.
To help support your claims position, be sure to have all documentation at the ready. This includes all correspondence – letters, e-mails, phone calls – you've had with your auto insurance company since the car accident. You should also provide the appraiser with the current value of your vehicle as listed by Kelly Blue Book or the National Automobile Dealers Association (NADA).
Again, to help your case, have all documentation organized and ready to be presented.
Because you'll be facing an experienced legal team that is well-versed on insurance claim cases, it's in your best interest to hire an accident attorney. Unlike you, an accident lawyer is accustomed to working with auto insurance companies' legal representatives.
Option 1: Get an Independent Appraisal to Settle Insurance Claim
Bring in an independent appraiser without any previous ties to you or your car insurance company.To help support your claims position, be sure to have all documentation at the ready. This includes all correspondence – letters, e-mails, phone calls – you've had with your auto insurance company since the car accident. You should also provide the appraiser with the current value of your vehicle as listed by Kelly Blue Book or the National Automobile Dealers Association (NADA).
Option 2: Use a Mediator to Settle Auto Claim
A mediator cannot dictate a solution. His or her role is to facilitate a resolution that both you and the auto insurance company can agree upon. A mediator is a good option because you're not held to his or her decision. If you don't like how the proceedings are going, you can walk away from the arrangement.Again, to help your case, have all documentation organized and ready to be presented.
Option 3: Arbitration to Resolve Auto Accident Claim
This should be your last option because it involves a court hearing with potentially steep legal expenses.Because you'll be facing an experienced legal team that is well-versed on insurance claim cases, it's in your best interest to hire an accident attorney. Unlike you, an accident lawyer is accustomed to working with auto insurance companies' legal representatives.
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