When purchasing insurance, the last thing you are concerned about is having to deal with an insurer who doesn’t honor their claims, right? In the event you have to file a claim, knowing a few things about insurance companies and how they operate may save you time and money.Here are a few things to be aware of: Adjusters are not on your side Most people consider adjusters to be very pleasant, but they are not on your side unless you have hired an independent adjuster.An insurance company’s adjuster is working for the insurance company, designed to negotiate on the insurance company’s behalf.

Their job is to offer as little as possible to resolve the issue.Insurance companies may not be fair And they aren’t obligated to do so.If you’re trying to file a claim against the person they insure, they may deny, delay, or give you an unacceptable offer.

Don’t go with the first settlement Insurance companies are always trying to get the settlement done quickly.Don’t jump at the first offer – wait it out to make sure everything is covered.They will fight medical expenses In almost every case, insurance companies will try to prevent paying medical expenses in an effort to save money on their end.

Make sure you are equipped with all visits, do the required treatment, and everything else associated with better health.Don’t say anything extra Do not give recorded statements or sign anything until consulting a personal injury attorney if warranted.You do not have to use the body shop the insurance company recommends, and you can appeal the insurance company’s offer if they total your vehicle.

Some insurance companies even go so far as ignoring you or threatening to take away your driver’s license because you are being proactive.It’s a delay tactic and ignore it.In the event you have to deal with an insurance company that won’t pay or feels as if your rights were violated or defrauded, there are certain steps to take.

Just like any other profession, insurance companies have regulations they have to abide by.  When things start going left, you can file a complaint with the state regulator.You must know your insurance policy and rights and keep thorough records of what has taken place.Throughout the process of dealing with the wrong insurance company, you must be persistent.

It can be difficult to get an insurance company to do the right thing, especially once they have been exposed.The National Association of Insurance Companies (NAIC) is a federal agency designed to handle customer complaints within the insurance industry.There is consumer protection against insurance company failures, but the red tape may have you feeling as if it isn’t worth it to pursue.

It is.It may also be a good idea to enlist the services of an attorney versed in handling these types of cases.Dealing with the wrong insurance company can be unfortunate, but knowing what you are dealing with and the steps to take to rectify the situation makes a difference.

InsuranceHub is here to help.