Can I Sue My Car Insurance Company?

This is amazingly a more common question then one might
think. There are a few reasons one might
chose to pursue suing their car insurance company, but the most common reason
is that your insurance company is refusing to pay damages incurred in a car
accident (possibly you had limited collision coverage).

So in a nut shell, here is the answer. You can sue anybody you want in small claims
court. However there is no guarantee you
would get the money you want and it may cost you more then youd like to pay
out. It really depends on what kind of
coverage you have. If you have minimum
coverage and you are at fault for the accident the car insurance company does
not have to pay and it would absolutely not be worth it to sue them. However if you have limited collision and you
feel you were less than 50% at fault (even if the car insurance company thinks
otherwise), it is your right to have it determined by a judge and jury. If you want to sue for other reasons then the
above stated, you would have to show enough reasons that the car insurance
company was at fault or negligent.

Now if you decide that you are willing to sue the car
insurance company, there are a couple of steps to take.

First
call your insurance company and get the manager on the phone. Make sure you get the person at the top
of the chain. If you have to leave
them a message. Let them know that
you are fed up and the reasons why.
Tell them that you will be immediately filing a complaint with the
Department of Insurance (DOI) for your State.Second,
call the DOI and file your complaint.
You can give the information over the phone. DOIs take complaints very
seriously. DOI companies will
investigate a car insurance company if there are too many DOI complaints
and possibly fine them. Car
insurance companies know this and therefore hate DOI complaints and will
usually do what they need to in order to avoid them.

More than likely if you follow these two steps your problem
will likely be solved without having to go to court. However, if your problem is bigger and more
serious than by all means take them to court.
Just make sure you are well informed on your rights and legal
responsibilities.

ArticleSource: ArticlesAlley.com