Pleading Your Case: How To Deal With Your Insurer When You Have A Claim
Your insurance policy should cover the costs of damages or repairs
necessary in the case of accidental damage to your property or car. Most people making insurance claims are satisfied with the
service of their insurance company. If,
however, your insurer refuses to pay or wont pay as much as you expected from
your homeowners or auto insurance claim, keep a cool head, plenty of written
documentation and, if necessary, enlist help to plead your case.
The following is a guide to assist you to receive what is covered by your
insurance from your insurer:
Keep an accurate
It is very important to save copies of every letter, receipt or other
paperwork involved in your claim. Keep
a journal of all actions taken, including telephone calls, etc. be sure to
note the name of the person(s) you spoke or wrote to, when contact was made,
what was said, when to expect results or when to follow-up to obtain results.
Once you receive a response from the company, whether you are satisfied
or not, request written confirmation. The
more accurate your record keeping the better your chances of receiving
satisfaction for your claim.
Take it to the top Do not hesitate
to take your complaints to supervisors or the complaint division of your
insurance company. If you have kept
complete records and present your position in an accurate, professional,
rational manner you may succeed (provided you are not asking for more than you
are entitled to by virtue of your insurance policy).
If you have exhausted all alternatives available through your insurance
company you have the option of contacting the state regulatory authority for
insurance. Each state has a
regulating authority that governs the operations of insurance companies.
A complaint can be leveled against your insurance company through the
department of insurance, which will be forwarded to your insurance company,
giving three weeks for reply. The
department of insurance cannot force your insurance to pay the claim, however
about quite often consumers do prevail through this process and at the very
least, will receive a written opinion from the state that may be useful if
litigation is pursued.
If it is necessary
for you to seek a civilian attorney, this attorney should be able to tell you how strong
your case is. These types of
lawsuits are often taken on a contingent basis for attorneys fees, which
means that the attorney will take a percentage of any settlement, rather than an
hourly charge for services.
Article source: www.jag.navy.mil/html/ NLSOGlakesHowtoDealwithInsurer.htm