Appealing an Insurance Settlement

If you have a difference of opinion on your insurance settlement, you can begin an appeal process, starting with your agent, moving to the claims adjuster at your insurance company, or your state’s watchdog agency for insurance consumers. 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.

If necessary, you may need to retain an attorney, but make sure you understand - and get in writing - the attorney's fee structure in writing 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.

Additional Information

  • Insurance Information Institute
    The Insurance Information Institute (I.I.I.) is a nonprofit communications organization supported by the property/casualty insurance industry. Their site covers life insurance basics, FAQs on selecting policies and buying life insurance. The mission of the I.I.I. is to improve public understanding of insurance - what it does and how it works.

  • National Association of Insurance Commissioners
    The mission of the NAIC is to assist 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.