Consumer advocacy
Consumer advocacy
If an insurer is slow, unresponsive or unfair on a vehicle claim, you have options: ask for the claim file, put your dispute in writing, and escalate to your state’s insurance regulator. These guides explain how.
Guide
First- vs third-party diminished value
Who you can claim against, and why it matters.
Guide
Filing an auto insurance complaint
When and how to complain to your state regulator.
Contacts
State insurance agencies
Regulator contacts for every state.
Contacts
Insurance company contacts
Claims lines for major insurers.
When a claim stalls
Five steps if an insurer won’t respond
- 1
Ask for the claim file and valuation
Request the adjuster’s valuation report, the comparables used, and the reason for any denial, in writing. - 2
Put your position in writing
Send a short, dated letter or email with your evidence, such as an independent appraisal and repair records. - 3
Escalate inside the insurer
Ask for a supervisor or the claims manager, and keep a log of every call. - 4
File a complaint with your state
State insurance departments accept free consumer complaints and can require the insurer to respond. - 5
Watch your deadline
Every state limits how long you have to sue for property damage; talking with the insurer does not pause it.
Not sure whether an appraisal will help?
The claim review is free: we look at your situation and tell you whether an appraisal is likely to help. The appraisal itself is a paid report. We help from start to finish, including a custom demand letter, and our support staff is a phone call away throughout the process.