If you disagree with the settlement your insurance company is offering, ask your agent for an explanation. You do not have to accept an agent's first offer. Often, he or she will negotiate the settlement with you until you are satisfied. Send a copy of your original letter initiating the claim as well as a new letter explaining your dispute to the chief claims officer at the executive office of your insurance company.
All reputable companies have internal investigation departments to help resolve disputes.
Complain to your state insurance department. All insurance companies are regulated, and the insurance department should be able to help you if it agrees with your complaint. Have an independent arbitrator decide whether the settlement offer is fair. Your insurance company may be able to recommend such an arbitrator through Arbitration Forums, Inc. Last resort, hire an attorney When all else fails, hire a lawyer and sue the insurance company to collect a fair settlement.