When Your Auto Insurance Company Disagrees With You

The schema with an auto indemnification company derscribed in the heading is not uncommon. At times this is inevitably the circumstance, actually there are thousands of situations each year when a bloke disagrees with their car assurance company about a allege.

One option is of course to do the insurance company to the court imediately. But in the forefront you eventually do that, you should study some other steps to feel to avoid it; there's usually a risk that you'll yield, and that might rate you even more percentage.

If your insurance agent is not able to solve your problem satisfactory,
Find a description of the procedures to follow in case of a dispute.

This is normally written in your insurance policy. If not, ask your insurance agent to give it to you. Follow this if possible.
Here is what you can do anyway;

* The first thing you should do is check the information in your auto insurance policy where it will spell out who will mediate (and/or arbitrate) a claim.

* Find out if the insurance company has a Consumer Complaint Department (most insurance companies have that).

* Get the name and phone number of this department (it's usually an 800 number and therefore free to call).

* Call them, describe your problem and ask if they are able to help you. Get the name of the specific person with whom you spoke and write it down. Also make a note of the date and time.

* Write a covering letter and address it to the person in the insurance company you spoke with. Enclose in this letter all the documents you have that might back up your position.
If you still are not satisfied, even though you have taken the above steps without abendoning the vehicle insurance company's procedures or rules:

* Take contact with your own state's insurance department. Describe your problem and what you have gone through so far and ask them to help you.

* If this doesn't help at all and you're confident that you've are right in your claim to your insurance cendor you should contact the Insurance Industry's Consumer Information Service (1 800 942-4242) They have a help line open all days but the weekends.

* You can also approach The American Arbitrary Association (call 1 212 484-4000) and talk with an Independent Arbitrator, who normally has a great knowledge of insurance issues. He or she can decide if what your automobile insurance company has done with your case is fair or not.

Depending on the result of the steps above you should

* Consider mediation or arbitration, which is an attempt to bring about a peaceful settlement or compromise between you and your insurance company through the objective intervention of a neutral party.

* You do this by submitting a "Demand For Arbitration Form" to whoever is listed in your policy. On this form you can specify whether you want mediation or arbitration.
Which alternative should You chose?

* While the arbitration rulings are absolutely binding, a mediator does not have the authority to make binding decisions, he or she can only recommend a solution.

* However, mediation is much cheaper than arbitration, therefore you should always chose this as the first step.

If you have researched your case sufficiently, and you are sure you're right, a decent auto insurance company will not be likely to bring your case this far.