File a complaint with state regulators States regulate insurance companies, thanks to the McCarran-Ferguson Act, a 1945 federal law that exempts the insurance business from federal regulation. State insurance departments are officially responsible for handling complaints about insurance problems. If you're happy with your insurance company, call your agent. Your agent should be able to tell you if you'll need to find a new agent and how to transfer your policies to your new address.
A car accident is stressful, but it can turn into an even bigger headache if the car insurance company denies your claim. Suspicious insurance companies do everything they can to make the claims process difficult, so evidence that proves their elusiveness can help your case tremendously. Depending on the circumstances surrounding your car insurance claim, several factors can cause your claim to be denied. Without valid insurance in place at the time of an accident or claimable event, the insurance company cannot afford any coverage.
Different states also have different auto insurance laws, and if you're moving to a new state, you'll need a new car insurance policy plain and simple. After analyzing the facts provided, the adjuster will determine if the car insurance claim will be denied or accepted or not. Each year, the National Association of Insurance Commissioners (NAIC) compiles a list of the most common complaints consumers have with their insurance providers. If someone causes an accident with you, provides false insurance information, or goes on the run, finding the right insurance details can be difficult or impossible.
If your auto insurance policy believes that the accident doesn't cover the accident, the insurance company will send you a formal letter stating the factors that led to the decision. Depending on the type of loss, your car insurer might have a legitimate reason to do so, but that may not always be the case. Talking to an agent is the best way to find out what you'll need to do to get new insurance or transfer your insurance to your new address. Enlisting the help of an attorney during a statement in which an insurance company interviews you for details about an accident or the value of possessions in the case of accident insurance for 26% of the property may be a good idea, especially if the amounts are significant.
Paying auto and home insurance premiums on time is the best way to ensure that coverage is in place when you have to file a claim. After you file a claim with your auto insurance company, an insurance adjuster will be responsible for documenting the details of the accident. However, if your car is stolen or you cause an accident, the insurance company won't be able to help you without proper coverage.