You have to claim damages in an insurance company when you are part of a crash or a motor vehicle accident of some sort, which is why you are insuring first. And, if you are not in agreement with the insurance company on the amount you are entitled to, you should fight them. Many things you can do to challenge an insurance claim successfully, and maybe even give you a fairer payout. . Hire an independent appraiser Even though you were a loyal customer for years, it is in the insurance company's interest to provide a settlement which is far less than fair. The investment is worthwhile to employ your own professional evaluator as this means you can challenge the claims of the insurance company if they return with an unreasonable bid. Take photos It is always a good idea to have pictures when you deal with any kind of conflict, and images that clearly show the time and date stamp are best. If you end up needing to go to court, you can always call in an expert to examine your photos for the case. Keep receipts Keep your receipts always when you manage claims of all sorts, because, in the future, you can seek compensation for the costs involved in managing your claims. Get a lawyer When an attorney comes into the case, the insurance company starts to handle you a little differently and can even come up with a new bid.You can have an accident lawyer to support you and will make it much more likely you come out of the argument in a proper form if you know exactly what your rights are. It will be very empowering. Request mediation Often calling an impartial mediator to help resolve the dispute is a good idea if you hope to avoid going through the courts.Every way of arriving at a fair agreement and compromise should be tried, but arbitration is not legally binding. Be patient and persistent Insurance companies are large corporations, so it will be convenient for them to take the fight away long enough to just give it up and agree. Such huge companies can never be worn down only by those who are determined and diligent, so continue to struggle to find a fair solution-or, at least, your day before the law. If your arguments are not going as quickly as you want, please let your company know that you are prepared for media interviews if you feel that it's right, remain calm and fight them to the end of time. -------------------------------------------------------------------------------------------------------------------------------------