- Keep a written record of your communications with the insurance company.
- Follow up oral communications with an email confirming what was said. (Some insurance companies give each insurance adjuster an email address, while some have a central email address for claims.) Faxes with confirmation receipts are also a good way to communicate with an insurance adjuster.
- Ask for written confirmation of any offer and the legal basis for the offer. When an offer is for the total loss of a vehicle, request the total loss evaluation report of the vehicle from the adjuster. North Carolina Law requires the adjuster provide it to you. See 11 NCAC 04 .0418.
- If an adjuster is not returning phone calls or being unreasonable, ask to speak with a supervisor.
- If an adjuster denies your claim, ask for the denial in writing and for the factual and legal basis for the denial. See 11 NCAC 04 .0117.
- If the above does not get a proper response, file a Complaint with the Insurance Commissioner. Call toll-free: 855-408-1212, or file a complaint online.
- When all else fails, consult an attorney.
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