7 Things to Do If an Insurance Adjuster Is Mistreating You in Your Auto Insurance Claim

July 23, 2020

driver in stress after a car accident
  1. Keep a written record of your communications with the insurance company.
  2. Follow up oral communications with an email confirming what was said. (Some insurance companies give each insurance adjuster an email address, while some have a central email address for claims.) Faxes with confirmation receipts are also a good way to communicate with an insurance adjuster.
  3. Ask for written confirmation of any offer and the legal basis for the offer. When an offer is for the total loss of a vehicle, request the total loss evaluation report of the vehicle from the adjuster. North Carolina Law requires the adjuster provide it to you. See 11 NCAC 04 .0418.  
  4. If an adjuster is not returning phone calls or being unreasonable, ask to speak with a supervisor.
  5. If an adjuster denies your claim, ask for the denial in writing and for the factual and legal basis for the denial. See 11 NCAC 04 .0117.
  6. If the above does not get a proper response, file a Complaint with the Insurance Commissioner. Call toll-free: 855-408-1212, or file a complaint online.
  7. When all else fails, consult an attorney.