Insurance companies might take a policyholder’s money, but this doesn’t mean they want to give it back when a claim is put into the system. When there is a need to handle a disputed car accident claim, policyholders can take steps to prove their case and obtain the compensation they are entitled to.
Generally, the more documentation and evidence a claimant can provide to back up their claim requests the better. This may require taking extra steps to provide third-party opinions to backup the validity of claims.
Understanding a Disputed Car Accident Claim
A disputed claim involves a request for payment or authorization for repair work to proceed that is denied by an insurance company. The company might say the quoted amount is too high or that requested claims are unnecessary. When disputes do occur, insured parties have a right to appeal the decision.
Handling Physical Damage Disputes
If there is a need to handle a disputed car accident claim in regard to physical property, there are steps policyholders can take to appeal a denial. They include:
- Getting additional repair quotes to provide to the insurance claims adjuster
- Hiring an independent appraiser to review the property damage in question
- Retaining a lawyer to handle a disputed car accident claim
Dealing with Medical Disputes
If there is a need to handle a disputed car accident claim in regards to medical coverage, policyholders can take steps to argue their case. If the insurance company doesn’t believe a procedure is necessary, policyholders can:
- Seek out a second opinion and provide documentation of the visit and the opinion rendered
- Ask the doctor recommending the treatment to provide more documentation to backup the need for the disputed treatment
- Hire a lawyer to negotiate with the insurance company
Mediation may Help
When there is a need to handle a disputed car accident claim, it is not uncommon for a mediator to be called in to act as a neutral party to arbitrate an agreement between the company and the covered party. Mediators can often help both parties come to a mutually agreeable solution, but this phase of appeal is not always satisfactory. Sometimes securing legal representation is the best step a claimant can take.
Getting a Lawyer
One of the best ways to handle a disputed car accident claim is to hire a licensed attorney to handle the case. A lawyer will be able to better negotiate with an insurance company and will understand what documentation is required to substantiate a claim. If necessary, a lawyer will also be able to take a claim all the way into the court system for redress.