How do you dispute a car insurance claim against you?

I got in an accident, but the other person was also being negligent. Ultimately, they filed a claim with my insurance, which has been approved, but I don’t believe I’m exclusively at-fault. How can I dispute this claim?

Answer
I’m sorry to hear how everything has turned out after your accident. If you want to dispute a car insurance claim against you, collect relevant evidence and file an appeal with your insurer.
Most insurance companies have an internal dispute resolution process where challenged claims are reviewed. Make sure you present any medical bills, police reports, eyewitness testimonies, or pictures of damage that could help prove you’re not exclusively at-fault.
If this doesn’t work out and you’re unable to reach an agreement, you can try to turn to the courts. However, you’re not guaranteed a hearing from a judge, and the time and expenses required to try might not be worth it.
Anytime you’re in an accident or file a claim, your insurance rates risk increasing after your next renewal date. This can be a great time to change your insurance, or at least look around and see if you can get a better deal. Jerry makes switching insurance companies hassle-free.
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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