Hopefully you will never have to deal with a dispute concerning your insurance company. But in case you do, there are some things you should know that can help you make it a less stressful experience.
Some common disagreements stem from things like the amount due on a bill, the amount the company paid on a claim, or maybe the non-payment on a claim. These can lead to frustration for the policy holder and rightly so. Often an individual assumes they will have a hard time dealing with a large company like an insurance carrier, but there are some things that can make it easier.
What you need to know is that you have rights. Your state dictates what insurance companies can and cannot due when dealing with individuals. State laws enacted to prevent unfair practices by insurance companies are designed to protect individuals. Sates may have different laws but you can learn about them by calling your state insurance department or looking on their website.
For example, there are some common regulations that prevent insurance companies from misrepresenting your policy, they can’t knowingly tell your policy means something that that it does not, or that make it illegal for an insurance company to ask for unnecessary forms in order to delay an investigation or payment on a claim.
Aside from knowing your rights, you can use your agent or broker. Your agent or broker has a relationship with the insurance company and knows where to go for help.
Try writing a letter to the appropriate officer at the insurance company. In your letter, you can state what the problem is and what you think would be a fair resolution.
As a last resort, you can take then to court. Depending on the amount in question you may be able to settle the whole thing in small claims court without a lengthy court battle.