How to Handle Insurance Claim Problems

Handle Insurance Claim Problems
Handle Insurance Claim Problems

How to Handle Insurance Claim Problems. Resolving issues with an insurance claim can be emotional as well as trying on your organization skills. Following some simple steps can help make sure you handle insurance claims properly and get the results that you want. Below are some steps you can take to properly handle insurance claim problems.

Start with your local insurance agent. He may be able to intervene and quickly resolve the problem.

Contact the insurance company's consumer complaint department if your agent isn't able to help. Most companies want their customers to be satisfied.

Send a letter outlining your problems to the insurance company. Include documentation of the steps you've already taken. Remember to include your address, claim number and phone numbers where you can be reached.

Check your policy for information on arbitration or appraisal services that can help settle the dispute.

File a complaint with your state insurance department. Explain the problem to the consumer services representative and provide documentation of what you've already done to resolve the issue.

Find an independent insurance arbitrator to hear your case. Make sure she is trained to review claims and to decide if a settlement is fair. Your insurance company can provide you with a list of arbitrators, or you can contact the American Arbitration Association for a reference.

Talk to an attorney if all else fails. Ask friends for recommendations or contact your state's bar association's referral service.

Tips & Warnings

  • Review your insurance policy after the claim is settled. You may want to change your coverage and/or insurer.
  • If you plan to hire an attorney, get his fee structure in writing. Some bill by the hour; others work on a contingency basis.

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