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...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 21, 2022

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Key takeaways...

  • 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

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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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