6 Steps to dispute an auto insurance claim settlement

You purchase an insurance policy and pay the premiums so that the insurer pays for the financial loss caused due to any accident or other events mentioned in the policy. However, it may happen that you’re not satisfied with what the insurance company is paying for the claim after an auto accident. In such situations, you may dispute the claim settlement amount offered by the insurer/insurance company. 
 
How to dispute auto insurance claim settlement 
 
You can follow these 6 steps if you think that the claim settlement amount is much less than what you deserve to get. 
 
1. Don't sign the settlement papers You cannot dispute a claim once you sign the settlement papers. So, be careful and don't sign the papers unless you're fully satisfied with the settlement amount offered by the insurer. If you have any query, you can take help of insurance community forums. You can post your query and the community experts will answer them thus helping you to solve your queries regarding claim settlement dispute. 
 
2. Gather all required documents When you decide to dispute an insurance settlement amount, at first, gather all paperwork that you would require to prove your case. You should also make copies of the correspondence from the insurer regarding your insurance claim. 
 
3. Review documents carefully Go through your policy documents and check what is included in it and know about the policy exclusions. Mark sections of your policy that is relevant for disputing the claim settlement amount you've been offered. 
 
4. Take estimates of repair work It is advisable that you get different estimates for the repair work. It will help you to know how much you require to repair the damage. If required, consult National Association of Automobile Dealers to know about the current estimated value (that is, the depreciated value) of the vehicle. 
 
5. Talk to the insurance adjuster As you get an idea regarding the repairing cost, call the insurance adjuster, who's listed on the claim. Explain to him/her why you think the settlement amount is much low than what you deserve to get. If you're not able to talk to the original adjuster, then make sure you take down the name of the claims representative you've spoken to. Then, request him/her to review the claim and don't hang the phone till you get a date for the review. Call back the adjuster on the given date to get a feedback on the review of your dispute. 
 
6. Keep all necessary documents It is quite necessary to document all phone calls with the claims adjuster as well as other people you speak to. Along with it, make all copies of correspondence that you've received after filing your auto insurance claim. 
 
You can contact the insurance department of your state if you think your claim is not reviewed properly or if you have evidence that the adjuster is not returning your request or calls. You can also hire an attorney and file a lawsuit if necessary.