Close Menu

3 Tips for Disputing a Car Insurance Claim

After an accident, you turn to your car insurance company for help. After all, you have paid your premiums on time for years. But, unfortunately car insurance companies are not as quick to help as they are to cash your check each month.

Even after you have filled out the necessary forms and the appraiser has assessed the damage, you may be surprised at how little they offer you for the damages. Even if your insurance company does pay, they may offer less than what is required to get your car repaired right.

There are things you can do to dispute your claim. And, keep in mind that an auto insurance payout is not final; you have the option to dispute the amount given to you. If you are going to dispute a car insurance claim, you may want to consult an attorney.

Get Your Own Appraisal

You do not have to settle with the insurance agency’s appraiser. You have the right to get an independent appraiser, preferably one that is not contracted with your insurer. Your appraiser can then send their report to the insurance agency. An independent appraisal will show the insurance claims adjuster how much the damages are valued at and hopefully they can come to a more favorable agreement.

Go Through Mediation

If your insurance company or their complaint department refuses to work with you, you have the option of mediation. Mediation is when your dispute goes to a third party (one not working for you or the insurance agency). This person often is an attorney, retired judge or another member of the justice system. Mediation is less expensive than going to court and while you do not need an attorneys, it is in your best interest to have one.

The mediator reviews your claim, estimates provided by adjusters and then will submit their decision to your insurer. It is important to realize, however, that mediation is not binding; therefore, your insurance agency does not have to do what the mediator says.


If your insurance agency still will not help, you may have to submit the case for arbitration. Your attorney will present your case to the arbitrator, present witnesses as well as any evidence. The arbitrator’s decision is binding and the decision they make is final.

If you are facing an insurance dispute with your auto insurance company,then you need car insurance attorneys in Daytona beach. An attorneys let your insurance agency know you’re serious about your dispute, prevents them from taking advantage of you in your vulnerable state, and ensures your rights are protected. The Law Offices of Robert W. Elton has experience with insurance disputes.

Contact us today for a free consultation by dialing 386-274-2229 now.

Related Posts:

  1. How to Increase Your Chances of a Getting an Insurance Claim Approved
  2. The Dos and Don’ts of Filing a Car Accident Claim with Your Insurance
  3. Helpful Tips for Preventing a Car Accident
  4. After Your Crash: Tips for Hiring a Car Accident Attorney

Post navigation

Previous post: Who is at Fault in a Car Accident?
Next post: Injured During CrossFit Training? Know Your Options