As with any business relationship that you have, or with any contract that you sign, you are afforded certain rights and protections under the law when you are conducting business with an insurance company. Some consumer-protection laws are applicable nationwide, and certain states have enacted extended protections for their residents.
When you purchase an insurance policy, you are entering into a binding legal contract with your insurance, and that contract should define any rights and obligations that you and the company each have. Therefore, if you have any questions or concerns regarding your rights as stated under your policy, you should first contact your insurance company or agent to find out what is determined by your contract. Such issues might include what coverage your policy provides, what exceptions are allowable, what procedures are available for changing the parameters of your policy, and so on.
However, if you feel that your insurance company has not appropriately addressed your concerns, of if you feel that you are being treated unfairly by your insurance company, you should consider contacting your state officials. Agencies that are able to offer consumer assistance regarding automobile insurance include your state insurance department, the state attorney general’s office, or the consumer affairs department. These agencies can offer assistant in the form of general advice, a referral, or a through remediation.
Of course, if you have tried resolving your dispute with your insurance company, and have sought counsel from a state agency, but you feel that your case has not been able to be resolved through these channels, your best option is to consult an attorney that specializes in insurance or consumer-affairs matters. Even if you do not escalate your dispute to the level of legal action, an attorney can provide you with guidance and let you know of your rights under the law.
Finding cheap car insurance is important, but you should also make sure that your insurance company has your best interest at heart.