There are quite a lot of issues
that have degenerated into dispute between auto insurance companies and their
clients due to lack of understanding from the 2 parties. Such issues have in
most cases led to legal tussles that a lot of money, time and resources are
expended before such issues are finally laid to rest. However, if care is taken
from the onset and both parties have taken time to understand each other anything
of such might not have been experienced. There are quite a lot of things to put
into consideration and that is the rationale behind putting up this post. Keep
reading:
To start with, if your agent is
unable to solve your problem, it is your duty to find a way of getting the
contact details of his/her immediate superior officer to be able to sort out
things amicably. You can equally get the
name and phone number of your insurance companies Claims Department purposely
to out things. And, after having gotten the numbers then you should call the
number to discuss the issues for more clarifications. You should know that while trying to sort out
things with your auto insurance company Claims Department you should discuss
extensively in order to put an end to any issue of dispute.
Secondly, after having discussed
the issue of dispute on the phone then you should be ready to support your case
by sending a covering letter to that individual whom you have spoken with. The
covering letter should contain all the documents you have to back up your claim.
All insurance companies usually have
either an “Arbitration Service” or “Appraisal Service” to help settle
differences or disputes among their clients. However, if your policy is unable
to benefit from these options, then it is your responsibility to call the
attention of your agent to know why your issues are not put into
considerations.
If you want your auto insurance
company to perform as expected of them you must ensure you follow their rules
for resolving your dispute, and if you’re still not satisfied, then you must
try as much as possible to liaise with your own state’s insurance department to
resolve the issues at hand.
If the issues of dispute are not
yet resolved then An “Independent Arbitrator”, who allegedly has experience in
insurance problems, can be contacted to decide if what you’ve been told or
offered to settle your claim is fair.
In order to be able to resolve your
dispute with your auto insurance company, mediation between the two parties
involved should be adopted. Though most often than not, the Mediator does not
have the authority to make a binding decision or issue an award to either party
to resolve the issue once and for all. The mediator can only recommends a
solution that might not be interest of the 2 parties involved. Mediation is a
solid first step because it can 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 can specify whether you
want “MEDIATION” or “ARBITRATION”.
Thank you
DISCLAIMER:
Please be aware that this post is
written to provide information about how to resolve dispute with your auto
insurance company. But there are other options you can benefit from that are not included in this post. You can learn more from your agent
The only purpose of
this article is to help people understand the motor vehicle accident claim
process. This article is not written to 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 help is desired it is THE INDIVIDUALS RESPONSIBILITY to
obtain said services from professionals
.
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