When you disagree with your insurance company about a claim, and can’t reach a solution, you have options to settle the dispute without going to court.

The Insurance Information Institute offers the following suggestions for resolving a dispute with your insurance company:

Let your agent know you are unhappy.
If your agent is unable to solve your problem, get the name and phone number of the head of the insurer's claims department. Your insurance company might have a consumer complaint department that might be helpful.

Be prepared to support your case.
Send documents and a letter to your insurance company, explaining why you are not satisfied. Make sure you have the figures and documentation to back up your argument.

Review your auto insurance policy.
Most companies offer either arbitration or appraisal services to help settle differences and disputes. Your insurance policy will explain these options.
 
Contact your state’s insurance department.
If you have followed your insurance company’s rules for resolving a dispute, and you remain dissatisfied, your state’s insurance department might be able to help.

Call the National Insurance Consumer Helpline.
If after hearing from your insurance company's claims executive you still feel your claim hasn't been handled properly, call 800-942-4242. This is a toll-free consumer information telephone service sponsored by the insurance industry. Trained personnel and licensed agents are available to assist consumers who have complaints. The Helpline operates Monday through Friday, 8:00 a.m. - 8:00 p.m. Eastern Time.

Contact an arbitrator to hear your case.
An independent arbitrator with experience in insurance matters can decide if the settlement you were offered is fair. Your insurance company might suggest an arbitrator, or you can get your own from the American Arbitration Association at 212-484-4000 or at

Consult an attorney.
If you feel the need for legal assistance, consult an attorney who specializes in auto insurance. Each state’s bar association offers a free legal referral service, which will give you names of qualified candidates. Attorneys work either on an hourly rate or on a contingency basis, depending on the type of case. Get the attorney's fee structure in writing. You can remain current on the progress of your claim by insisting you receive copies from your attorney of all correspondence. Your attorney must have your agreement before committing to any settlement. You may consult an attorney as part of any mediation or arbitration, and you may have an attorney represent you at arbitration hearings.