How do I dispute a car insurance claim adjuster’s report?

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Call for FREE quotes: (855) 425-8122

Joel Ohman
Founder, CFP®

UPDATED: Nov 2, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...
  • If you disagree with your claims settlement, ask to speak to a manager
  • If you don’t get anywhere with a manager, you can get a repair estimate from a mechanic or an independent adjuster
  • As a last resort, you have the option to take a car insurance company to court

Disputing a car insurance claim adjuster’s report is your right and it can be as simple as getting an independent report and submitting it, or as complicated as hiring a lawyer and bringing the claim to court.

In between these two extremes, there are other things you can do such as hiring a third party adjuster or going over the adjuster’s head and contacting the claims manager.

In the article that follows, there is more specific information provided regarding how to dispute a claim adjuster’s report. Also, be sure to use the free tool on the top of this page to get a free car insurance quote comparison!

Getting Independent Reports


The final say as to the amount you should be paid for a car insurance claim does not have to rest solely with your insurance company. Be aware that some insurance companies will try to convince you that you do not have a choice.

They may make you feel like you have to follow what their adjuster said in the report, but this is not the case. You have a right to dispute the adjuster’s report and you have the right to get independent reports as well.

There are many independent auto mechanics, not affiliated with an insurance office, which can be hired to give you a report. This is the first step and the cheapest route you can take.

Make sure you are hiring a professional. Your cousin who fixes cars on the side, no matter how knowledgeable, will not be considered a professional by the insurance company.

Allow the person you hire to look over the damage to your vehicle and give you a written report with a dollar amount required to fix the vehicle. Then send this to your insurance company via certified mail.

If this does not work, you can go a step above hiring a professional mechanic and hire an independent insurance adjuster.

Though you may not be familiar with independent adjusters, it is actually a very competitive business and you will be able to find many choices in your area, just by going online or looking in the yellow pages.

Independent or private adjusters are able to use their expertise not only of vehicle repair but of the insurance industry itself to help you get the settlement you deserve. This is more costly when hiring an independent mechanic but usually yields better results.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Call for FREE quotes: (855) 425-8122

When Independent Reports Don’t Work

If you have gone the route of hiring someone to do an independent report and your insurance adjuster will not change the report, it is time for the next step.

– Step One

First of all, you should contact the supervisor or manager that is over the claims adjuster giving the manger the same independent reports you gave to the adjuster.

Sometimes, simply speaking with a manager will result in your claim being adjusted. Some insurance companies make you do the work, but when you reach a manager, they are willing to make changes.

– Step Two

If this is unsuccessful,you can contact your state insurance office. Every state has a government office that regulates the insurance industry of the state. Almost every state insurance office has a complaint department as well.

You can file a complaint and the office will investigate your claim along with comparing it to complaints filed against the same company.

If the company has a history of problems, your complaint will be investigated more vigorously and may save other people from having a bad experience with the same company. This may take awhile so you need to be patient but it is worth it to get the claim you deserve.

– Step Three

The last step in disputing a car insurance adjuster’s report is to file a lawsuit. This should only be done if you have tried every other option.

Taking an insurance company to court is costly. If you win the suit, the insurance company will be required to reimburse you for your expenses, but if you don’t win you will be out the money for the court expenses and your claim still will not be adjusted.

Some insurance companies will settle with you just to save the expense of going to court.

Finding a Trustworthy Company

Pros and Cons chart

A major factor in disputing a claim is working with an insurance company that it reputable and that you can trust. To find an insurance company, you can use our free online comparison tool.

This type of tool allows you to receive rates and quotes from top companies so that you can find a reputable company you will be able to work with when a claim needs to be filed. Just enter your zip to start!

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption