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Your Auto Accident Insurance Loss - Dealing With Your Company On A Disputed Loss
When you disagree with your insurance company, about a claim, you have options you can use without going to court. #1.If your agent is unable to solve your problem, get the name and phone number of your insurance companies Claims Department. Its usually an 800 number. Call and ask if they have a Consumer Complaint Department? Most do. If so, talk to them because they may be able to help you. Dont hang up until you get the specific name of the person with whom you spoke. (Make a note of the person you talked with and hold onto that until youve finished with your dispute). #2.Be ready to support your case by sending a covering letter (to that individual whom you spoke with) which contains all the documents you have to back up your position. #3.All insurance companies have either an Appraisal Service or Arbitration Service to help settle differences and/or disputes. Your policy should explain these options.(If you cant find either of these ask your agent to find them for you)! #4.If youve followed their rules for resolving your dispute, and youre still not satisfied, your own states insurance department should be able to help you. #5.If, after hearing from your own insurance companys people (your confident that youve not been handled properly) you should call 1 800 942-4242 ( a toll-free Consumer Information Service) sponsored by the insurance industry. Trained personnel are available to assist consumers who have complaints. THIS HELP LINE OPERATES ON EASTERN TIME, MONDAY THRU FRIDAY, 8:00 AM - 8:00 PM. #6.ALSO: An Independent Arbitrator, who allegedly has experience in insurance problems, can decide if what youve been told (or offered to settle your claim) is fair. You can get to them by calling THE AMERICAN ARBITRATION ASSOCIATION 1 212 484-4000 or they can be contacted (via the internet) at . #7.MEDIATION: More often than not the Mediator does not have the authority to make a binding decision or issue an award to either party. The mediator only recommends a solution. Mediation is a solid first step because it can negate the need for further expense on both sides. The first thing you should do is check the language in your auto insurance policy where it will spell out who will mediate (and/or arbitrate) a claim. You should submit a DEMAND FOR ARBITRATION FORM to whoever is listed in your policy. On that Demand for Arbitration Form you can specify whether you want MEDIATION or ARBITRATION. DEMAND FOR ARBITRATION FORMS are available from your states Department Of Insurance, or you can print a copy of a Demand Form from the American Arbitration Associations web site - - which can be found (as Ive listed above in Number #6) at . AS YOU MOVE ALONG WITH THE ABOVE YOU MUST NEVER FORGET THESE TWO FOLLOWING (A & B = Below) CRUCIAL FACTS: A.Mediation is much less expensive than Arbitration. B.The Mediation Decisions are only considered to be advisory. However, The Arbitration Rulings are absolutely binding! DISCLAIMER: The only purpose of this article YOUR AUTO ACCIDENT INSURANCE LOSS - DEALING WITH YOUR COMPANY ON A DISPUTED CLAIM is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do the purport to engage in rendering any legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant, or the like. Where such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services. Dan Baldygas third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the Internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals How To successfully handle your motor vehicle accident claim so you wont be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury! Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved About The Author
For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor,Manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@comcast.net.
Top Cities for Insurance:
New York City, New York - Los Angeles,
California -Chicago, Illinois -Houston, Texas -Philadelphia,
Pennsylvania - Phoenix, Arizona - San Antonio, Texas - San Diego,
California - Dallas, Texas - San Jose, California - Detroit, Michigan
- Indianapolis, Indiana - Jacksonville, Florida - San Francisco,
California - Columbus, Ohio - Austin, Texas - Memphis, Tennessee -
Baltimore, Maryland - Fort Worth, Texas - Charlotte, North Carolina -
El Paso, Texas - Washington, District of Columbia - Milwaukee,
Wisconsin - Seattle, Washington - Boston, Massachusetts - Denver,
Colorado - Louisville-Jefferson County, Kentucky - Nashville-Davidson,
Tennessee - Las Vegas, Nevada - Portland, Oregon - Oklahoma City,
Oklahoma - Tucson, Arizona - Albuquerque, New Mexico - Long Beach,
California - Atlanta, Georgia - Fresno, California - Sacramento,
California - New Orleans, Louisiana - Cleveland, Ohio - Kansas City,
Missouri - Mesa, Arizona - Virginia Beach, Virginia - Omaha, Nebraska
- Oakland, California - Miami, Florida - Tulsa, Oklahoma - Honolulu
CDP, Hawaii - Minneapolis, Minnesota - Colorado Springs, Colorado -
Arlington, Texas - Wichita, Kansas - St. Louis, Missouri - Raleigh,
North Carolina - Santa Ana, California - Anaheim, California - Tampa,
Florida - Pittsburgh, Pennsylvania - Cincinnati, Ohio - Toledo, Ohio -
Aurora, Colorado - Bakersfield, California - Riverside, California -
Stockton, California - Corpus Christi, Texas - Newark, New Jersey -
Buffalo, New York - Saint Paul, Minnesota - Anchorage, Alaska -
Lexington, Kentucky - Plano, Texas - St. Petersburg, Florida - Jersey
City, New Jersey - Glendale, Arizona - Lincoln, Nebraska - Chandler,
Arizona - Henderson, Nevada - Greensboro, North Carolina - Norfolk,
Virginia - Birmingham, Alabama - Scottsdale, Arizona - Fort Wayne,
Indiana - Baton Rouge, Louisiana - Madison, Wisconsin - Hialeah,
Florida - Chesapeake, Virginia - Garland, Texas - Orlando, Florida -
Rochester, New York - Akron, Ohio - Chula Vista, California - Lubbock,
Texas - Laredo, Texas - Modesto, California - Durham, North Carolina -
Reno, Nevada - Fremont, California - Montgomery, Alabama - Glendale,
California - Shreveport, Louisiana - San Bernardino, California -
Spokane, Washington - Yonkers, New York - Arlington CDP, Virginia -
Tacoma, Washington - Huntington Beach, California - Des Moines, Iowa -
Grand Rapids, Michigan - Richmond, Virginia - Winston-Salem, North
Carolina - Irving, Texas - Boise, Idaho - Mobile, Alabama -
Augusta-Richmond County, Georgia - Irvine, California - Columbus,
Georgia - Little Rock, Arkansas - Oxnard, California - Amarillo, Texas
- Knoxville, Tennessee - Newport News, Virginia - Moreno Valley,
California - Salt Lake City, Utah - Jackson, Mississippi - Providence,
Rhode Island - North Las Vegas, Nevada - Worcester, Massachusetts -
Gilbert, Arizona - Ontario, California - Rancho Cucamonga, California
- Santa Clarita, California - Aurora, Illinois - Brownsville, Texas -
Fort Lauderdale, Florida - Huntsville, Alabama - Oceanside, California
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California - Tempe, Arizona - Dayton, Ohio - Tallahassee, Florida -
Vancouver, Washington - Chattanooga, Tennessee - Pomona, California -
Santa Rosa, California - Rockford, Illinois - Springfield,
Massachusetts - Pembroke Pines, Florida - Springfield, Missouri -
Paterson, New Jersey - Corona, California - Salem, Oregon - Salinas,
California - Hollywood, Florida - Hampton, Virginia - Eugene, Oregon -
Grand Prairie, Texas - Kansas City, Kansas - Pasadena, Texas -
Pasadena, California - Torrance, California - Syracuse, New York -
Naperville, Illinois - Lakewood, Colorado - Hayward, California - Cape
Coral, Florida - Sioux Falls, South Dakota - Bridgeport, Connecticut -
Peoria, Arizona - Joliet, Illinois - Alexandria, Virginia - Warren,
Michigan - Orange, California - Palmdale, California - Escondido,
California - Lancaster, California - Fullerton, California - Port St.
Lucie, Florida - Fayetteville, North Carolina - Mesquite, Texas -
Sunnyvale, California - Coral Springs, Florida - Savannah, Georgia -
Sterling Heights, Michigan - Fort Collins, Colorado - Elizabeth, New
Jersey - New Haven, Connecticut - Hartford, Connecticut - Thousand
Oaks, California - McAllen, Texas - Concord, California - Cedar
Rapids, Iowa - El Monte, California - Topeka, Kansas - Waco, Texas -
Stamford, Connecticut - Carrollton, Texas - Simi Valley, California -
Flint, Michigan - Vallejo, California |
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