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Not Happy With Car Insurance Claim

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 07/02/2017

Q: I am not happy with the way my car insurance claim is going, I don’t think that I am being treated fairly and it’s my own company. Is there anything I can do?

A: It all depends on what you mean by “being treated fairly”. If you feel that the claims adjuster is rude, condescending or discriminating, demand to speak to their supervisor to complain or ask to be assigned to a new claims adjuster. You paid for this insurance coverage and you do not have to put up with being treated badly by your own company.

If the claims adjuster refuses to let you speak to their supervisor, contact your car insurance agent for help. They have more resources available to them to get you to who you need to speak with and they are not going to want to lose your business.

If you feel the numbers the claims adjuster is coming up with for a totaled vehicle is not fair, it is up to you to prove why. Gather current selling price for the same exact year, make and model of vehicle you have from 3 different dealers and/or private sellers. Also look up the Kelley Blue Book value of the vehicle. Arm yourself with information to give to the adjuster to get your fair settlement.

If you feel you are not being treated fairly in regards to medical bills from your car insurance claim being paid and you get no help from a supervisor, it’s time to contact your state insurance commissioner and file a complaint.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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