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When you disagree with your insurance company, about a claim, you have options you can use without going to court.
#1. If your agent is unable to solve your problem, get the name and phone number of your insurance companies Claims Department. It’s usually an 800 number. Call and ask if they have a Consumer Complaint Department? Most do. If so, tell them because they might be able to support you. Don’t hang up until you get the specific name of the person with whom you spoke. (Make a note of the person you talked with and hold onto that until you’ve finished with your dispute).
#2. Be ready to back up your case by sending a covering letter (to that individual whom you spoke with) which contains all the documents you must back up your position.
#3. All insurance companies have either an “Appraisal Service” or “Arbitration Service” to support settle differences and/or disputes. Your policy should explain these options.(If you can’t find either of these ask your agent to find them for you)!
#4. If you’ve followed their rules for resolving your dispute, and you’re still not satisfied, your own state’s insurance department should be able to support you.
#5. If, after hearing from your own insurance company’s people (your confident that you’ve not been handled properly) you should call 1 800 942-4242 ( a toll-free Consumer Information Service) sponsored by the insurance industry.
Trained personnel are available to assist consumers who have complaints. THIS “HELP LINE” OPERATES ON EASTERN TIME, MONDAY THRU FRIDAY, 8:00 AM - 8:00 PM.
#6. ALSO: An “Independent Arbitrator”, who allegedly has undergo in insurance problems, able to decide if what you’ve been told (or offered to settle your claim) is fair. You able to get to them by calling THE AMERICAN ARBITRATION ASSOCIATION 1 212 484-4000 or they able to be contacted (via the internet) at .
#7. MEDIATION: More often than not the Mediator does not have the authority to make a binding decision or issue an award to either party. The mediator exclusively recommends a solution.
Mediation is a solid first step because it able to negate the need for further expense on both sides. The first thing you should do is check the language in your auto insurance policy where it will spell out who will mediate (and/or arbitrate) a claim. You should submit a DEMAND FOR ARBITRATION FORM to whoever is listed in your policy. On that Demand for Arbitration Form you able to specify whether you want “MEDIATION” or “ARBITRATION”.
DEMAND FOR ARBITRATION FORMS are available from your state’s Department Of Insurance, or you able to print a copy of a Demand Form from the American Arbitration Association’s web site - - which able to be found (as I’ve listed above in Number #6) at .
AS YOU MOVE ALONG WITH THE ABOVE YOU MUST NEVER FORGET THESE TWO FOLLOWING (A & B = Below) CRUCIAL FACTS:
A. Mediation is much less expensive than Arbitration.
B. The Mediation Decisions are exclusively considered to be advisory. However, The Arbitration Rulings are absolutely binding!
DISCLAIMER: The exclusively mean of this article “YOUR AUTO ACCIDENT INSURANCE LOSS - DEALING WITH YOUR COMPANY ON A DISPUTED CLAIM” is to support people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do the purport to engage in rendering any legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant, or the like. Where such professional support is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.
#2. Be ready to back up your case by sending a covering letter (to that individual whom you spoke with) which contains all the documents you must back up your position.
#3. All insurance companies have either an “Appraisal Service” or “Arbitration Service” to support settle differences and/or disputes. Your policy should explain these options.(If you can’t find either of these ask your agent to find them for you)!
#4. If you’ve followed their rules for resolving your dispute, and you’re still not satisfied, your own state’s insurance department should be able to support you.
#5. If, after hearing from your own insurance company’s people (your confident that you’ve not been handled properly) you should call 1 800 942-4242 ( a toll-free Consumer Information Service) sponsored by the insurance industry.
Trained personnel are available to assist consumers who have complaints. THIS “HELP LINE” OPERATES ON EASTERN TIME, MONDAY THRU FRIDAY, 8:00 AM - 8:00 PM.
#6. ALSO: An “Independent Arbitrator”, who allegedly has undergo in insurance problems, able to decide if what you’ve been told (or offered to settle your claim) is fair. You able to get to them by calling THE AMERICAN ARBITRATION ASSOCIATION 1 212 484-4000 or they able to be contacted (via the internet) at .
#7. MEDIATION: More often than not the Mediator does not have the authority to make a binding decision or issue an award to either party. The mediator exclusively recommends a solution.
Mediation is a solid first step because it able to negate the need for further expense on both sides. The first thing you should do is check the language in your auto insurance policy where it will spell out who will mediate (and/or arbitrate) a claim. You should submit a DEMAND FOR ARBITRATION FORM to whoever is listed in your policy. On that Demand for Arbitration Form you able to specify whether you want “MEDIATION” or “ARBITRATION”.
DEMAND FOR ARBITRATION FORMS are available from your state’s Department Of Insurance, or you able to print a copy of a Demand Form from the American Arbitration Association’s web site - - which able to be found (as I’ve listed above in Number #6) at .
AS YOU MOVE ALONG WITH THE ABOVE YOU MUST NEVER FORGET THESE TWO FOLLOWING (A & B = Below) CRUCIAL FACTS:
A. Mediation is much less expensive than Arbitration.
B. The Mediation Decisions are exclusively considered to be advisory. However, The Arbitration Rulings are absolutely binding!
DISCLAIMER: The exclusively mean of this article “YOUR AUTO ACCIDENT INSURANCE LOSS - DEALING WITH YOUR COMPANY ON A DISPUTED CLAIM” is to support people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do the purport to engage in rendering any legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant, or the like. Where such professional support is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.
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