Also, find out if your rates will soar or the company will drop you altogether if you file a claim. It is better to work with a company that is a bit more understanding. Contesting the settlement If you disagree with the settlement amount 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.
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 obtain justice 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.