Priority Insurance LLC Blog
5 Ways to Dispute Auto Insurance Claims
When you're in an accident, sometimes you don't feel that you're getting the right coverage from your insurer. On some occasions too, you feel you're not receiving the repairs you expect to receive. You will need more courage and patience. In that case, here are five ways you need to try in order to fight for the coverage that you believe you need.
Talk to Your Repair Shop
You may want to negotiate repair costs with your repair shop, especially if you have a good relationship with the people there. This can help if your insurer rejected your claim. However, if you feel that your repair shop doesn’t want to negotiate, then you can have other options.
Get a Public Adjuster
At any time that you feel your insurance company has failed to do a good assessment of your damaged vehicle, you seek the services of a public adjuster. He can reassess your car and review your case. Many public adjusters also worked in insurance companies before. In case they find discrepancies in the decisions made by the insurer, then they have the authority and expertise to back your argument.
If you’re not satisfied with the payout of your car insurance company, then you can proceed to arbitration. While it’s important that you split the arbitrator’s cost, he makes a final decision. However, regulations vary from one state to another.
The Better Business Bureau
Although this is mostly a last resort, it is still one of the most effective ways to log your complaint so that the public will have a chance to see it. That’s better than not finding a solution to the problem. The Better Business Bureau can offer you some advice to dispute your insurance company’s decision.
The Department of Insurance
If you believe that you have a strong case, then you can opt to contact your state’s department of insurance. Ask them for advice and actual help so that they can help put pressure on your insurer. However, you may want to seek a lawyer’s services before you take this step.
Some Final Words
Always have your documents with you wherever you go to settle your dispute with your insurer. Also, make sure that you have a good reason to dispute. Otherwise, an extra $200 on the payout may not compensate for all the hard work and effort you’re doing in order to get it.
At Priority Insurance LLC., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (864) 297-9744 or Click Here to request a free quote.
It really helped when you said that hiring a public insurance claim adjuster would be able to assess the car and review your case for you. As you mentioned, they have experience with insurance before so they can find discrepancies in the decisions made that can be backed up. With that in mind, we should hire one to help us get the maximum compensation we would need to get the car repaired after it has gotten a lot of damages during the winter season, since the conditions became harsher this year.
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