Dealing with insurance companies can be a frustrating experience, especially if your insurance company is not cooperating with your claims. Whether you’re filing a claim for a car accident, medical bill, or even home insurance, insurance companies have a bit of a reputation for being uncooperative. After all, their main aim is to make money, so they may not be as forthcoming with paying your compensation as you might expect.
The good news, however, is that there are several steps that you can take to handle an uncooperative insurance company effectively. In this post, we’ll outline what you should do when dealing with an insurance company that isn’t cooperating.
Understand Your Policy
Before you file a claim, it’s essential to understand your insurance policy. Knowing your policy’s specifics can help you determine whether you have a valid claim and what the insurance company is obligated to cover. Spend some time reading through your policy carefully, paying attention to the exclusions, limitations, and deductibles.
Gather Evidence
Providing evidence to support your claim is crucial when filing. The more evidence you have, the stronger your case will be. If you are filing a claim for a car accident, for example, take photos of the damage to your car and the other driver’s car, and obtain a police report. If you are filing a medical claim, keep all medical records, receipts, and bills.
Be Persistent
When dealing with an uncooperative insurance company, it’s essential to be persistent. Insurance companies are businesses, and their goal is to minimize their payouts and maximize their profits. If you give up easily, they are more likely to take advantage of you. Follow up with them regularly and be sure to keep records of all communication, including emails, letters, and phone calls.
File a Complaint
If your insurance company continues to be uncooperative, you may need to file a complaint. There are several options available to you when it comes to filing a complaint against an insurance company, including contacting the insurance commissioner’s office in your state. You can also file a complaint with the Better Business Bureau or seek legal counsel. This can be an effective way to get your insurance company to start taking your claim more seriously.
Stay Professional
It’s essential to stay professional when dealing with an uncooperative insurance company. Avoid getting angry or making threats. Instead, remain calm and polite, and provide the insurance company with the evidence that they need to process your claim. Remember that like any other business, insurance companies are more likely to cooperate with somebody who is courteous and respectful.
Document Everything
One of the most important things you can do when dealing with an uncooperative insurance company is to document everything. Keep a record of all communication, including phone calls, emails, and letters. Write down the date and time of each communication and what was discussed. This documentation can be helpful if you need to file a complaint or hire an attorney.
Consider Alternative Dispute Resolution
If you are having difficulty resolving your claim with the insurance company, you may want to consider alternative dispute resolution. Mediation and arbitration are two common forms of alternative dispute resolution that you may want to consider. Mediation involves a neutral third party who helps both parties reach a mutually acceptable solution. Arbitration is more formal and involves a neutral third party who makes a decision that is binding on both parties.
Get a Second Opinion
If you are having difficulty getting your claim approved by your insurance company, consider getting a second opinion by working with an independent expert. For example, if you are filing a medical claim, you may want to consider getting a second opinion from another doctor. Or, if you are filing a claim for damage to your vehicle during a car accident, you may want to get an independent appraisal. A second opinion can provide additional support for your claim and may help you negotiate a better settlement.
Consider Publicity
Another option to consider is to go public with your story if your insurance company is not cooperating with your claim. Contact local media outlets, such as TV stations or newspapers and share your experience. If your story gains traction, the insurance company may be more willing to work with you to resolve your claim to avoid further bad publicity.
Be Prepared to Negotiate
It is essential to be prepared to negotiate in any insurance claim, but especially so if you are dealing with an insurance company that is uncooperative. The insurance company may be more willing to work with you if you are happy to negotiate on a settlement. For example, if you are filing a claim for a car accident, you may need to be willing to accept a lower settlement than you had originally hoped for. Be prepared to consider different options and to negotiate in good faith.
Consider a Public Adjuster
A public adjuster is an independent claims specialist who can help you navigate the claims process and negotiate with your insurance company. Public adjusters are licensed professionals who work on behalf of policyholders. They can help you document your losses, provide estimates for repairs or replacement, and negotiate with the insurance company. Although hiring a public adjuster can be an expensive process, it can be worth the cost if you are having trouble getting a large claim resolved.
Consider Hiring an Attorney
You may need to hire a legal professional such as a personal injury attorney if your insurance company continues to be uncooperative. A lawyer can help you navigate the legal system and negotiate with the insurance company on your behalf.
If you are struggling with an uncooperative insurance company and need legal assistance, contact Scarlett Law Group. Our team of experienced attorneys is dedicated to fighting for the rights of policyholders. Book a free consultation to discuss your case and get free advice on your legal options.
Visit our office at 536 Pacific Avenue, San Francisco, CA 94133 or call now for a free consultation on (415) 352-6264.