How do I handle insurance claim disputes?

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.

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.

Visitor Comments

No visitor comments posted. Post a comment

Post Comment for "How do I handle insurance claim disputes?"

To post a comment for this article, simply complete the form below. Fields marked with an asterisk are required.

User Opinions

No users have voted.

How would you rate this answer?



Thank you for rating this answer.

Continue
DMVAnswers.com (the Site) is a privately owned, for-profit Web site owned by OnlineGURU, Inc. The Site specifically disclaims any and all connection with any state bureau, division, or Department of Motor Vehicles, or any state or federal government agency. DMVAnswers.com does its best to get the correct information but does not claim responsibility for the accuracy of the information displayed herein. It is not complete or certified information. The information provided on DMVAnswers.com is not legal advice, DMVAnswers.com is not a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. Additionally, the Site expressly disclaims any and all liability for third party links or resources on the Site and any claims of negligence arising from same. For official information, please consult your state motor vehicle department.