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What To Do When You Have A Car Insurance Dispute

By: Melanie Williams

This article has been written to provide you with some advice on what you should do if you're having a hard time with your car insurance company. You don't have to sit back and take their ignoring,stalling and disputing, you do have options to settle your dispute.

First of all give your car insurance companies claims department a call. Don't forget, you're the customer and your car insurance premiums pay their salary. If the person you're speaking to doesn't seem to care about your situation, (don't forget to record the name of the person you spoke to and the date you called) then find and speak to their boss.

Have all the documents ready that prove your point and explain why you're not satisfied. Send it to the person you speak to marked PERSONAL AND CONFIDENTIAL or e-mail it to them if they give you their direct e-mail address.

If you're still not getting anywhere with your car insurance company, find out if your car insurance company has a complaints department. Follow the above steps again with the complaints department. Explain your situation to someone and if they take no action follow up with a call to their boss and a letter or e-mail with supporting documents. Don't forget to include a list of who you called on each date and the result of the call.

If your problem still hasn't been resolved, contact your local insurance department. They can be reached by phone, mail, or often online. Most insurance departments can provide you with on the phone assistance to help resolve your dispute without requesting that you complete a formal written complaint. If a written complaint is requested, you may be able to download and print one from their website, complete it at home and mail it to them.

After you have filed your complaint your local insurance department will notify the car insurance company of the complaint. The car insurance company is required to respond to the insurance department within a fixed amount of time, usually between 10 to 30 days, depending on where you live.

Once the Insurance Department has received a reply from the car insurance company they will look into what needs to be done and will notify you. This process can take up to 30 days.

Your claim should normally be resolved by now. Insurers don't want to have the Insurance Department make a decision against them because they have the power to levy a variety of penalties, ranging from fines to revoking the license of the car insurance company.

If you have read this article and make a decision it's all too complicated you could decide to hire a lawyer who specializes in Auto Insurance. Lawyer's usually work for either an hourly rate or on a contingency fee basis. Whatever you decide to do, make sure you get your lawyer's fee structure in writing. You should also insist that you receive copies of all correspondence to make sure you stay up to date on the progress of your claim. You should also sure your lawyer is aware that he or she needs your agreement before a settlement is finalized.

Article Source: http://ezine-articles-planet.com

To learn everything you need to know about Resolving You Car Insurance Dispute and find out how to get Cheap Car Insurance quotes, visit www.iBlogCarInsurance.com

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