3 Steps to Appealing an Insurance Settlement

If you have a difference of opinion on your insurance settlement, you can begin an appeal process:

Step 1: Start with your agent. Not happy with the outcome?  Go to Step 2.

Step 2: Call the claims adjuster at your insurance company. Still not satisfied? Go to Step 3.

Step 3: Contact your state’s watchdog agency for insurance.

The state will discuss the matter with your insurer and help to resolve any difference so the claim can be settled. An independent insurance agent may also be of help.

WHN TIP – Retaining an Attorney: If necessary, you may need to retain an attorney, but make sure you understand – and get in writing – the attorney’s fee structure before you decide to pursue the case. While you will no longer deal directly with the insurance company, your attorney must have your agreement before committing to any settlement.


For More Information

Insurance Information Institute — a nonprofit communications organization supported by the property/casualty insurance industry. The mission of the I.I.I. is to improve public understanding of insurance – what it does and how it works. Visit the site for life insurance basics and FAQs on selecting policies and buying life insurance.

National Association of Insurance Commissioners — assists state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental insurance regulatory goals in a responsive, efficient and cost-effective manner, consistent with the wishes of its members:

  • protect the public interest;
  • promote competitive markets;
  • facilitate the fair and equitable treatment of insurance consumers;
  • promote the reliability, solvency and financial solidity of insurance institutions;
  • and support and improve state regulation of insurance.