Car insurance: best practices in litigation

Properly address the situation of dispute, avoiding a confrontation long and unpleasant for both the insured for the insurance company.

Promote dialogue

The first rule in litigation is still trying to find an amicable solution by promoting dialogue. Also, after a finding, it is important to quickly contact the advisor or broker in charge of your case. This is an opportunity to obtain justifications and make your point of view.

This approach is unfortunately not the most common. However, it is often appreciated by insurance companies and after clarification of the parties it is common to reach an amicable agreement.

Associate with other insured

If the dialogue does not lead to an amicable resolution of the dispute, it may be worthwhile to use associations insured or consumers. This helps to get in touch with other policyholders in the same situation vis-à-vis insurance companies. Often, litigation, unity is strength and it can exert greater pressure on companies.

Think expertise contradictory

Often litigation auto insurance regarding the amount of compensation offered by the insurer. To the extent this amount is mostly determined by an expert; do not hesitate to ask for expert opinion. For this, it suffices to appoint an expert car at your expense. If the contradictory expert reveals large differences with the expertise achieved by the insurance company, a third independent expert will arbitrate the dispute.

Namely: the cost of third-party expertise is shared between your insurance company and you.

To use a mediator

Totally independent, the mediator intervenes free insurance of last resort. Also, other remedies must have been exhausted amicable and there should not be any legal proceeding.

To benefit from the intervention, simply submit the matter to the mediator of the insurance by registered letter with acknowledgment of receipt. This file should contain all parts necessary for the proper understanding of the issues as well as information on the insurance company.

Note: the decision of the insurance ombudsman does not require the insurance company but it is a strong argument if a prosecution should be initiated.