What should an insured do if they disagree with an insurance claim settlement?

When an insured disagrees with an insurance claim settlement, referring to the “Legal Action Against Insurer” policy condition is the appropriate course of action. This provision typically outlines the steps and limitations regarding legal actions the insured may take against the insurer if they believe the claim settlement is insufficient or unjust.

By reviewing this section of the policy, the insured can understand their rights and the process they must follow to contest the claim settlement effectively. This may include timelines for legal action, requirements for written notices, and other stipulations that define how disputes should be managed between the insured and the insurance company.

Taking this step ensures that the insured is abiding by the terms of their policy while addressing their concerns. It provides a structured method for resolving the disagreement, potentially guiding them to mediation or, if necessary, litigation, while helping them avoid missteps that could jeopardize their case.