How to Appeal Decisions Made by Car Insurance Companies
You have the right to appeal your auto insurance company’s decision. How to appeal decisions made by car insurance companies is to write a letter to your provider and consult with a lawyer for advice. You will need to document everything you think you'll need to win an appeal, including repair receipts and police reports and witness testimony from the accident.
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Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...
Rachael Brennan
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Ty Stewart
Updated November 2023
- You have the right to appeal your car insurance company’s decision
- You need to document everything you think will help you win the claim
- If in doubt, you can always consult with a lawyer for advice
Have you ever disagreed with your car insurance company and wondered how do I appeal their decision? The following will give you some advice as to how to appeal a decision.
Perhaps you were offered a compensation amount that you feel is less than it should be. One thing to make sure you do is to keep good notes and documentation of your appeal.
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Start With a Letter
One of the first things you should do when appealing an auto insurance decision is to write a letter to the company.
Include documentation such as photographs, police reports, and car repair quotes from multiple garages Furthermore, state the amount of reimbursement that you think you deserve for the car insurance claim.
After mailing the letter, call your claims adjuster. If you feel he or she is not working with you, ask to talk to the manager or superior of the adjuster.
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Contact Your State Agency
The last step should be to get ahold of the regulatory agency in your state that deals with insurance issues.
First, write another letter that outlines similar information as you sent to the insurance company.
Also, explain how you feel your insurance company is not handling your claim correctly. The state will get back to you as to how you should proceed next.
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