Sometimes, you and an insurance company will not see eye to eye. You may not feel properly compensated for your damages and the insurance company refuses to negotiate further. This can be overwhelming for a person that does not know how to handle disputed claims. 

Despite the frustration, you shouldn’t stress out if this happens. Insurance Navy is here to help you through any insurance we possibly can, including the dispute resolution process. So, here are a few tips to help handle disputed claims:

Express Concern

If you don’t feel the amount offered is right, don’t worry, you’re not obligated to accept the first offer an insurance company makes. Let your claims adjustor know that you do not feel properly compensated before making a final decision. Typically, claim adjusters have a little bit of leeway. As you would expect, they will start with the lowest possible offer they can make. 

Be ready to provide proof like Kelley Blue Book’s suggested value for a car. Medical expenses for a bodily injury would also be sufficient proof. If you still do not feel satisfied after, you may want to file a complaint with the Illinois Department of Insurance.

Hire An Appraiser

Insurance adjusters strive to give the most appropriate appraisal. But, at the end of the day, they work on behalf of the insurance company, not you. Hiring an independent appraiser will cost you but it may help make sure a dispute is resolved. An independent evaluation of the case may help strengthen your chances of getting a higher settlement.

Try Mediation

An unbiased third party could help you and the insurance company reach a mutual agreement. Both sides will say their case and follow the arbitrator’s ruling.

Go To Small Claims Court

If mediation is not for you then you may try to resolve a filed dispute in small claims court. If you decide to pursue this route, it may be best to hire an attorney. Moreover, one that specializes in insurance claims.

More Information

Do you need more information about car insurance rates or how to file a claim? Our team is here to help with your low-cost auto insurance rate needs. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

Additionally, we can help you find a home and car insurance quote right on our website. Because we want to help you save money wherever possible, we offer our insurance quotes completely free of charge. By visiting our website, you can also inform yourself about many useful topics. 

These topics include the proper steps to take when resolving an issue with your car insurance company or another party. Also, you can learn how a clean driving record can earn you more affordable rates for insurance coverage. You can even learn why teen drivers typically pay higher insurance premiums than older drivers.

We also have a strong presence on social media, so like or follow us on Twitter, Facebook, Instagram, or Pinterest. After that, we can keep you updated on helpful tips, local news, and much more.

Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From safe driving practices for the Christmas season to insurance coverage for small businesses.

*Please review your own policy carefully for details on the auto insurance claims process. Claims processes vary by the insurance contract.