No matter how good a driver you are, accidents happen. Sometimes you just face situations you can't get out of. But that's the reason why you get car insurance. In such cases, you trust your insurance company to take you out of the sticky situation.
When they do not trust you and start questioning and refuse to repair your car, it causes a dispute with the insurance. Then you have to lodge a complaint with their internal dispute resolution department. Going into a car insurance dispute is something you need to avoid at all costs. Because it wastes your time and money. You need to go about the matter is a smart way.
Sometimes the car insurance company refuses your claim because it believes that your accident does not come under the insurance.
The Reason why an insurance company can reject your claim:
If your company believes you can't see properly, they will ask for an eye test after a claim is made. And if you have bad eyesight, then your claim for insurance money is rejected.
In cases where you have hidden former accidents and mishaps, the company can also decide to reject your claim. So you need to disclose all the previous accidents and mishaps.
When you leave the car unattended and neglect it, the car might suffer from accidents. Leaving the door and windows open can lead to accidents. The company can also reject your insurance money on these grounds.
If you have insured your vehicle, and after that, you make some changes to it without the company knowing, then the company can use it as a reason for rejection.
If the company has rejected your claim, and you are unsatisfied with the decision, how to avoid the car insurance dispute resolution process? You can go to the in-house dispute resolution team. Take your problem to them and see if they are able to resolve the problem. If it doesn't help, then you can use the two ultimate methods to resolve your car insurance dispute.
Use a mediator
A mediation process is just like it sounds. You use a neutral mediator to be present during your dealings with the insurance company. The meeting can be in person, over a call, or through a video call. You and your insurance lawyer need to be present along with the representative of the insurance company. And the neutral mediator is present and pays attention to the entire discussion.
The mediation process may take as long as 60 days if both parties are ready to discuss and solve it out. Once the mediation is over, the mediator will report the issues that have been solved and the ones that are still unresolved. And tips that can help to wrap up the dispute for good.
Use an arbitrator
The arbitrator comes to your rescue when the mediator fails to get the job done. The process is similar to that of mediation. But for arbitration, the application must come from you some 90 days from filing the mediation. Then you and your representative and the insurance company can discuss it out in front of the arbitrator. But before two parties meet, a pre-hearing conference is held where you meet the arbitrator, and you lay down your case. The arbitrator reaches a decision after a lengthy discussion between both parties. If the decision seems to fail to appease both parties, they are still bound to accept the decision. The word of the arbitrator is final.
Settling a car insurance dispute is tricky. You do need some outside help, like an insurance lawyer, a mediator or an arbitrator. For a car insurance dispute resolution process search for the company that will assist you in how to avoid the car insurance dispute resolution process.
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