This article “How To” is essential, current information regarding what you should do if you are having trouble with your insurance company (regarding your motor vehicle accident claim). If there’s some problems with whatever position they’ve taken regarding your Property Damage Loss (or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing) you don’t have to sit back and take it!
There are options available to resolve your dispute. You should follow these steps:
#1. If they are too busy or afraid to take on your “problem”, ask them for their contact information and the number of your nearest Claims Department at your insurance company. Ask for assistance. Remember, they are their insured and your premiums will pay their salaries. If the person you are speaking to attempts to solve your problem with indifference and uncaring behavior, like your agent, then find and speak to their boss, i.e., the Vice President of Claims or any other appropriate individual.
#2. Be prepared to support your case: Prepare all necessary documents and a covering letter (to be sent by snail mail to the person you finally talk to). This will explain your position and why you aren’t satisfied. Send it to them personally and confidentially, along with a signed Return Receipt.
#4. They can be reached by phone, mail, and often online.
WHAT THEY CAN DO: Insurance departments often offer telephone assistance to resolve your “Problem” without you having to file a formal complaint. Many insurance departments have their complaint forms posted on their websites. You can print the form, complete it at your home and send it to them. If they don’t have one, ask them to send your “Written Complaint” form by snail mail.
Once they have received all of the information, including your claim number and supporting documentation, they will notify the agent or insurance company about the complaint. The agent or company is required to reply to the department within a specified time frame, typically between 10 and 30 days depending on the location.
After receiving a response, Insurance Department officials will go deeper to find out what can or should be done. The process takes approximately 30 days.
The Insurance Department can impose a range of penalties on agents and companies if they decide against them. These departments have the power to punish companies who are intentionally avoiding or dragging their feet.
You might want to hire an attorney after reading this information. It can be complicated! Find an attorney who is experienced in Auto Insurance. The type of case will determine whether the attorney charges an hourly fee or a contingent-fee basis. If you choose to go this route, make sure you get your lawyer’s “Fee Structure.” To keep you informed about the status of your case, request copies of all correspondence. PLUS: Before settling, make sure your lawyer has a copy of all correspondence.