Categorized | General Insurance

Steps to Resolve Disputes with Your Insurance Company Efficienctly

If your insurance company begins to nag you and you are looking for the ways to resolve the contention, then this article is a must read for you. The following enumerated steps would guide you in the right direction:

1.Be Aware Of Your Rights

First of all, you should know your rights. Fortunately, the insurance industry is riddled with a lot of lost that help regulate it. This means that your state has ordinances that say what insurance companies can and cannot do when it comes to collecting your bills and settling claims. You just have to find out more about these laws so that you would not have any problems dealing with issues regarding any infractions that might inhibit your human rights in any way with regards insurance.

2.Utilize The Services Of Your Agent Or Broker

You need to use your agent or broker accordingly while resolving disputes against your insurance company. Your agent or broker will be the one to deal with the insurance company personally and ask for help if necessary. The broker will go through the necessary channels and handle the situation for you more effectively.

3.Contact Your Insurance Policyholder

Contact the insurance company via e-mail. If you have no luck trying to resolve the problem using your online Insurance Agent or broker, you can go about it another way by writing a letter to the company. For example, you can write a letter to the accounting or finance manager if you want to address an issue regarding disputed bills.

You can clearly state the problem in your letter and a clear way to possibly resolve the problem. This way, you will be able to help them process the situation more efficiently and possibly influence their decisions on how to go about dealing with the situation.

4.Go For Mediation

You can also ask a third party to get involved if you feel that your insurance company still has not addressed the issue to your satisfaction. An example of possible third parties that can mediate would be your state’s consumer protection division or the insurance department. You can also try to seek out of court settlement as well as the help of independent organizations that can provide legal and financial assistance if needed.

5.Handle It Legally

As your last option, you can take your insurance company to court. If the amount of insurance Claim in question is below the required threshold, you can go to the small claims court to file a case. You do not need a lawyer for the small claims court.