How to Resolve Insurance Disputes

Depending on the type of dispute, as well as the type of insurance carrier you’re currently in disagreement with, there are few steps to undertake in order to begin resolving the conflict. Although having a dispute with an insurance carrier can be stressful, especially if you’ve never experienced it before, this guide should hopefully provide you with enough information to make you feel more at ease.


As with most conflicts in life, the most important thing is to remain calm and to know your rights ahead of time. Of course, the information presented here can only do so much, so it’s advisable to speak to an actual legal representative as well. Still, if you’re someone who might be undergoing a dispute with an insurance provider in the future, this guide can provide you with an effective baseline of information so that you’re not caught off-guard.

Hire a Representative

The first thing you should do when attempting to resolve a dispute with an insurance provider is to hire a legal representative. Insurance providers operate in a heavily regulated industry, which means there are specific things that they can and cannot do when interacting with you. By contacting a legal representative ahead of time, you can be briefed on what is considered an appropriate action by the insurance provider. In addition, legal representatives have connections to outside sources that can influence the direction of your case. A financial expert witness like Michael Richards is often brought in to provide their insight into the legal framework of specific cases.

Contact Your Insurance Agent

Before a dispute escalates too much, make sure you put in an honest effort to resolve any issues with your agent broker directly. Most people are just trying to do their jobs and aren’t inclined to act entirely unreasonable if you simply address them politely. If you can resolve a case before bringing it to a court, then everyone involved will probably appreciate the effort. Few people actually enjoy going to court, even if they think they’ll win.

Write to the Company

It may seem strange, in this day and age, but writing letters can still be the best step towards getting action done. If you’ve spoken with the company’s representative and still haven’t seen progress towards rectifying your issues, then writing a letter to the next level up may be the way to go. As long as your letter is direct without being aggressive, you should expect to see results. Of course, if you don’t, then you can always bring in your legal representative to solve things the old fashioned way.

Regardless of what your issue is, the most important thing to keep in mind is your own value as a person. It can be easy to feel like you’re alone, or overwhelmed, especially when dealing with a large insurance company or other corporate entity. Still, as long as you remain strong and confident, there’s no doubt that you’ll be able to handle anything that gets thrown your way in the course of your dispute.