Handling Your Motor Vehicle Accident With Your Own Insurance Company

This "How To" article is crucial, up-to-date information concerning what to do if your insurance company is giving you a hard time (regarding your own motor vehicle accident claim with them) and you're positive it's "Legit". If there's some problems with whatever position they've taken regarding your Property Damage Loss (or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing) you don't have to sit back and take it!

You DO have options to settle your dispute and you should proceed as follows:

#1. FIRST, LET YOUR AGENT KNOW YOU'RE UNHAPPY: Ask them to go to bat for you. If they sit on their butt (afraid or "too busy" to get "involved" with your "problem") find out the name and phone number or your insurance companies nearest Claims Department. Contact them and ask for help. (Never forget, you're their insured, your premium's pay their salary). If the person you're talking to attempts to handle your problem with uncaring indifference, just like your agent has, than find and talk to that individual's boss - - The Vice President of Claims and/or whomever.

#2. BE PREPARED TO SUPPORT YOUR CASE: Have ready all documents, plus a covering letter (to snail mail to that person your finally talking to) proving your point and explaining why you're not satisfied. (Send it to them PERSONAL AND CONFIDENTIAL - - with a signed "Return Receipt" requested).

#4. CONTACT YOUR LOCAL INSURANCE DEPARTMENT: If you've followed your insurance company's rules for resolving a dispute, and you're still not satisfied, your own Local Insurance Department can help you. You can reach them by phone, or mail, or often online.

WHAT THEY CAN DO FOR YOU: Many insurance departments offer on-the-phone assistance to help resolve the "Problem" without requiring you to file a formal "Written Complaint". Most post their complaint forms on their Web sites, allowing you to print out the document, complete it at home, and mail it to them. (If they don't have a web site ask that they snail mail their "Written Complaint" form right out to you) !

After you provide them with all the necessary information (including your policy or claim number and supporting documentation) they will notify the insurance company (or agent) you're complaining about. The company (or agent) is then required to respond to the department within a certain amount of time, usually between 10 to 30 days, depending upon the area where you live.

Upon receiving a reply, Insurance Department officials will dig deeper, trying to determine what can and should be done. This process usually takes about 30 days.

If the Insurance Department decides against the agent or the insurance company (which is clearly stated - - and one both your insurance company and your agent know to be a fact of their business life they'd prefer not to get hung up on - - nor be forced to deal with) the Insurance Department has the power to levy a variety of penalties, ranging from a fine to actually revoking the license of the agent or company. (When it comes down to the nitty-gritty, these departments have all the power they need to penalize companies that are deliberately ducking or dragging their feet).

After reading the above, you may want to consider hiring an attorney to represent you because it can get complicated! If you do, find one who specializes in Auto Insurance. Attorney's work either at an hourly rate or on a "Contingency-Fee Basis", depending on the type of case. If you decide to go that route be sure to get your lawyer's "Fee Structure" in writing. And (to remain current on the progress of your claim) insist that you receive copies of all correspondence. PLUS: Be sure your lawyer knows that he or she must have your agreement - - before committing to any settlement!

Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.

DISCLAIMER: This article is intended for background information. Its only purpose is to help people understand the motor vehicle accident claim process. Dan Baldyga nor ARTICLECITY.COM make no guarantee of any kind whatsoever, NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY to obtain it.

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author

19 Winona Drive
West, Springfield, MA 01089
Phone: (413) 733 0127 FAX: (413) 731-8358
Mail to: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On The Internet At: http://www.autoaccidetnclaims.com

Or: http://www.caraccidentclaims.com

About The Author

For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trail Assistant. He is now retired and spends his time attemptng to assist those involved in motor vehciel accident claims so they will not be taken advantage of.

dbpaw@comcast.net

---

Cheap Health Insurance Rates and Personal Health Insurance

If you've been out of school for a couple of... Read More

If You Rent A Home, Protect It By Buying Renters Insurance

Renters insurance is often overlooked by people who are renting... Read More

Do I Need Travel Insurance?

In the United States health insurance, unlike many other countries,... Read More

Guide to Life Insurance Terms

Listed below is a useful guide to life insurance terms.... Read More

Mortgage Insurance Plans: How Good Is Yours?

Mortgage insurance, to pay off a mortgage, is something you'll... Read More

Individual Health Insurance Plans - How To Find The Best Provider Online

Whether you are self-employed or a small business owner, finding... Read More

Health Insurance Online - Save Today

It is now possible to thoroughly research and buy health... Read More

What Answers To Questions For A Home Insurance Price Quote Will I Need To Know?

Lets face it, finding the best home insurance price quote... Read More

Insurance in Northern Ireland: Historic Difficulties

No doubt most readers will have heard of the Northern... Read More

Why Dont Insurance Companies Reward Us for Being Healthy?

Insurance is always a gamble, a bet actually.You are betting... Read More

The Immorality of Guarantee Issue Health Insurance

While there are genuine debates about whether privatized health insurance... Read More

Why Does Health Insurance Cost So Much?

Why does health insurance cost so much? Year after year,... Read More

What Is Health Insurance?

What is health insurance and why do I need it?... Read More

How to Reduce Home Insurance Premiums

Here are some useful tips on how to reduce Home... Read More

What Should I Do About Billing Problems When Using HSA Money?

If you run into a billing problem or misunderstanding with... Read More

What is Pet Health Insurance?

Pet Health Insurance can give you the peace of mind... Read More

Is Life Insurance Comparison Really Necessary?

When you want to purchase a life insurance policy, you... Read More

Cheap Health Insurance - Health Insurance for The Self Employed

If you're self employed, you may think of health insurance... Read More

Underinsurance Can Spell Disaster For Homeowners

Insurance is meant to give homeowners peace of mind, but... Read More

Health Insurance Options for Entrepreneurs

One of the most important benefits employed people enjoy is... Read More

Are You Overpaying On Your Home Insurance Policy?

For many consumers the cost of daily living is becoming... Read More

Risk Retention Groups RRG

In response to a hard insurance market in the mid... Read More

Car Insurance Advice for Young Drivers in the UK

Over the course of the last ten years, car insurance... Read More

The Many Benefits of Travel Protection Plans

Many people purchase insurance thinking I want full coverage and... Read More

Why Should I Go To A Life Insurance Broker?

A life insurance broker is a dedicated person that encourages... Read More

Self Employed Health Insurance - Tips For Getting Cheap Health Insurance When Youre Self Employed

If you're self-employed and facing high health insurance bills, there... Read More

Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi

For a price, would you let car insurer along for... Read More

Medical Insurance Overseas

Thousands of people have work related commitments and in order... Read More

Health Insurance Plans - Benefits to Different Plans & Providers

Health insurance plans vary in their coverage and prices. The... Read More

Health Insurance 101 for Individuals and Families

The changing healthcare and health insurance landscape in the United... Read More

CarInsurance.com Is Available At All Dealerships With Internet Access!

You are ready to buy your first car. Researching the... Read More

Auto Insurance for Young Drivers

The biggest worry of most parents today is their children... Read More

High Deductible Health Insurance Plans For Individuals and Families

Do you pay more attention to your car than your... Read More