How to Dispute an Insurance Claim Settlement
The last thing anyone wants to worry about after a car accident is the hospital bill or property damage. Sometimes the issue is with the negligent driver's insurance company. Regardless of the circumstance or type of insurance, if you receive a settlement for property damage, bodily injury or other issue that you believe is unfair, there are some effective steps you can take to dispute the claim.
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Instructions
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Gather all documents and paperwork. You will need your policy documents describing what's included in your policy and what's not as well all doctor's or repair bills. Also, make copies of the correspondence from the insurance company regarding your claim.
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Review all documents thoroughly. Not all medical services are included in every policy. The health care procedure may involve gray area and be open to interpretation. Mark all sections in your policy, which pertain to your accident or claim.
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Call the adjuster listed on the claim. Let the adjuster know that you believe there's been an error. If you cannot reach the original adjuster, get the name of the claims representative you are speaking to.
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Request to have your claim reviewed if the option is not immediately offered. Do not hang up the phone without a date for the review. Call the adjuster back on the date of the review to ask for feedback on the review.
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Document all phone calls with the adjuster and anyone else you speak to at the insurance company. Make copies of all correspondence received after filing the claim.
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Contact your state's department of insurance if the claim is not reviewed or if you can document that the adjuster is not returning your calls or requests. Each state has a different appeals process.
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