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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Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Former Auto Insurance Claims Manager
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
If you would like to shop for other car insurance companies, enter your zip code in the box above to compare car insurance quotes now!
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.
Enter your zip code below to compare car insurance quotes and find a company in your area that will meet your needs for a low price, now!
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Former Auto Insurance Claims Manager
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.