Filing an Automobile Insurance Complaint
By: David Schneider, Car Insurance Expert
CheaperCarInsurance.com
Have you ever had a horrible experience with an auto insurance company? If you have then you know the headache it can be. You can file an automobile insurance complaint about the company regarding the problems you had. This way others will see it and will look elsewhere for their insurance needs.
One way you can be rest assured that you really have an insurance company that is ‘on your side’ is to refer to your state’s department of insurance. You can find out if there are any automobile insurance complaints on a particular company you may have in mind. This allows you to decide if the company is as reliable as they claim to be. Here are a few examples of situations clients have filed on an automobile insurance complaint:
- Poor customer service
- Increased the rate that was originally quoted
- Does not provide service in the event of an accident
If you find that you are not getting the service you need from your automobile insurance company or agent, you should switch to another one. You need professionals who can assist you with your policy needs.
Were you quoted a low price for coverage then charged a higher rate? This is unfortunately a common complaint among insurance companies. A consumer finds an automobile insurance quote for a lower rate than what they are currently paying; yet the rate goes up for no legit reason once the switch is made. This is unacceptable and calls for an automobile insurance complaint.
Auto insurance customers want to know that they will be covered if they are in an accident. That’s the purpose of getting insured, right? If the only thing your insurance company does after you’ve been in an accident is increase your rate, file a complaint. An auto insurance company should give you fair treatment regardless of circumstances that may occur.
These are just a few examples, but there are a number of situations that should not go unreported. If the company fails to keep their word on what they promise their customers, it is encouraged to file an automobile insurance complaint.
What Measures to Take in Filing an Automobile Insurance Complaint When you file a complaint, you are asked to provide specific documents. Along with the complaint, you may be required to include the following information:
- The name and location of the insurance company
- The name and number of your insurance agent
- A copy of your policy
- Additional documents in correlation with the auto insurance company
You can file an automobile insurance complaint either via the Internet, mail or fax. The easiest and most convenient way to file is online. This way your complaint is accepted instantly by the Insurance Department.
If you choose to send a hand-written complaint, you may want to be sure you have a copy for yourself as the original won’t be returned to you. You may even be able to find community sources to provide assistance with filing an automobile insurance complaint.
When Should I File an Automobile Insurance Complaint? Anytime you receive unacceptable treatment from your auto insurance company, you may file an automobile insurance complaint. It is advised to try to resolve any issues you have against your insurance company first. A copy of your automobile insurance complaint will most likely be sent to your insurance company. In most cases the department of insurance will try to contact the company to have the issue resolved. In some states it’s a law that the insurance company is required to resolve the dispute. Your complaint is kept on file with consumer complaints for that company. It is always wise to check an insurance company’s consumer complaints.
Posted: January 28, 2010
