What should I do if I am having trouble settling my claim?

What should I do if I am having trouble settling my claim?

Tips On How To Settle Insurance Claim:

If you are not satisfied with how your claim is being handled, there are steps you can take.

1. 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.
2. 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.
3. 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.
4. Contact your state insurance department.
   Explain the reasons for the disagreement to a consumer services representative at the department.
5. 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 theAmerican Arbitration Association at 212-484-4000.
6. 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.

What are my rights when filing a claim?

What are my rights when filing a claim?

Know Your Basic Rights To File A Claim For Your Insurance:

As a policyholder, you have certain rights. Every state has laws protecting consumers. Your policy is a legal contract between you and your insurer. It defines your rights and obligations as well as the rights and obligations of the insurance company.

If you have any questions regarding your rights under the policy, talk to your insurance agent or company representative. You may also contact your state insurance department, state attorney general's office, or your state's consumer affairs department.

Filing an Auto Insurance Claim

Filing an Auto Insurance Claim

To file a claim, follow these steps: 

1. Call your insurance agent as soon as possible, regardless of who is at fault. Find out whether you're covered for this loss. Even if the accident appears minor, it is important that you let your insurance company know about the incident.
2. Ask your agent or company representative how to proceed and what forms or documents are needed to support your claim. Your insurance company will require a “proof of claim” form and, if there is one, a copy of the police report. Increasingly, companies allow you to monitor the progress of your claim on their web site.
3. Supply the information your insurer requests. Fill out the claim form carefully. Keep good records. Get the names and phone numbers of everyone you speak with and copies of any bills related to the accident.
4. Ask your insurance agent or company representative the following:
   
   • Does my policy contain a time limit for filing claims and submitting bills?
   • Is there a time limit for resolving claims disputes?
   • If I need to submit additional information, is there a time limit?
   • When can I expect the insurance company to contact me?
   • Do I need to get repair estimates for the damage to my car?
   • Will my policy pay for a rental car while my car is being repaired? If so, how much?
5. Remember, each state has its own laws governing the claims process. If you have any questions, call your agent, company representative or your state insurance department.