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How should you file a dispute with your auto insurance company?

Just because you have auto insurance doesn't necessarily mean that it will protect you should you have an accident. Ultimately, it's up to your auto insurance company's adjuster to decide whether they will approve your claim. An insurance company may deny your request completely or pay only a portion of your damages.

There are a variety of reasons that you and your insurance company may not be on the same page. They may take the position that you haven't suffered any coverable damages. On the other hand, they may agree to pay a portion of your claim, but tell you the amount that you're requesting is over your policy amount. They may also disagree with how much a bill is.

The National Association of Insurance Commissioners (NAIC) is the model that many states use in regulating their insurance industry. Under most state regulations, plan administrators must accurately represent what's in your policy. It's unlawful for them to change your policy arbitrarily without first informing you that they're going to do so.

It's generally against the law for insurance companies to pressure you into agreeing to a settlement. State and federal regulations require insurance companies to process claims quickly. How each state defines that word can vary considerably.

An insurance company shouldn't drag out your claim's processing time by asking you to fill out unnecessary paperwork. If an insurance company denies or delays processing your claim, then they must provide you with a reasonable explanation for why that's the case. If they make an offer that is substantially lower than the claim amount, then you do have a right to appeal the decision by filing a counterclaim in Michigan court.

If you have a valid insurance claim that has been denied by your insurer, you may be eligible to sue your automobile insurance company. Whether you're able to do so is contingent upon the reasons that your auto carrier gave for denying your claim. An attorney here in Rochester can evaluate your case and see whether filing a lawsuit is warranted.

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