The Consumer Insurance Bill of Rights

If you have a claim against any insurance company, your own or someone else's, you have basic rights.

You have the right to:

1. Choose who repairs your vehicle.
2. Have your vehicle repaired to pre-loss condition at no additional cost out of your pocket.
3. A lawyer if you are being sued.
4. An independent appraiser or adjuster to assist you in negotiations.
5. Loss of use if you were in an auto accident and it was not your fault.
6. Complete restoration of value of your property, unless otherwise spelled out in an exclusion which you have signed.
7. A written list of all denials of claim, including why your claim or part of your claim was denied.
8. A lawyer to assist you in collecting all that is owed you on your claim.
9. Demand a third party to mediate the difference you and the insurer feel your claim is worth.
10. File a complaint, without reappraisals, with the Department of Justice.

If any insurer has violated any of the above please let us know at, info@claimsreporter.com.