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When you make a claim on your auto insurance policy in Albertville, Minnesota, you may not always get the amount that you expect. Depending on the situation, your claim and your current policy, you may be able to negotiate with your insurer.
Read the Policy Carefully
Before you try to negotiate with your insurer, read through all of the documents regarding the amount of cover the insurer is expected to provide. Find out if you have full coverage for that specific situation or if an exception is causing the dissatisfaction. If your current plan does not provide protection against a specific situation you are facing due to a clause or exception, then you might not be able to negotiate further.
Obtain Proof
In some cases, the reason you are dissatisfied with the amount provided by the insurance company is actually related to the proof that you’ve given. Provide an estimate of damages from your mechanic for any damage to the vehicle or give a copy of the police report to prove that you did not cause the accident. By providing more proof of responsibility, costs and other factors, you will have the necessary documentation to prove that the insurer is not following up on their side of the contract.
Talk to the Insurer
When you have proof, start the negotiation process. Do not rush through the process and point out every detail about the situation that you can. Use your policy to point out the mistakes.
Negotiating with an insurance company is possible, but it requires the proper steps and the appropriate proof to show that you’ve been given too little according to your policy. To learn more about negotiating with your insurer, contact us to talk to an independent agent.