Getting into a car accident so not pleasant, but sometimes the
insurance company may make the situation worse when they appear to be
uncooperative and they drag their feet, or evaluate the claim of
different how you see it. If you are having problems, solving your
claim, here are some tips to help you.
Have documentation to support your case
Send the insurance company whatever documentation you have, along with a
letter explaining why you are not happy with the satisfied and you must
send figures to back up your claim. You must include your address,
claim number, names of other parties involved in the accident, phone
numbers, and other important information.
Notify Your Agent
If are not satisfied with your offer, notify your insurance agent. If
your agent cannot resolve the matter, you should talk to a manager in
the insurance claim department or the customer complaint department.
Have an independent arbitrator mediate your insurance claim
An independent arbitrator can determine if the settlement you were
offered is fair. You can contact an arbitrator at American Arbitration
Association at http://www.adr.org.
Contact an attorney
If you cannot settle your insurance claim, consult an attorney who
specializes in auto insurance claims. If you have an injury claim, make
sure that your attorney is experienced in handling these types of
claims. Your State bar association offers a free legal referral service.
They will provide the names of qualified candidates. Attorneys work
either on an hourly or on a contingency basis. Have the attorney give
you their fee structure in writing. You should insist on copies of all
correspondence from your attorney so that you can stay current on the
claim. Your attorney needs your agreement before committing to a claim.
The above tips should help you settle your insurance claim. However, if
your only complaint is that the insurance company is not offering enough
money, you may not be valuing your claim correctly. Talk with an
attorney on assessing the value of your claim, even if you plan to
continue with the claim on your own. Some attorneys are willing to
assist you by simply give advice.