Skip to content

What if the Insurance Company Denies My Claim or I Disagree with their Settlement Offer?

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.
If the other person’s insurer denies your claim or you don’t agree with their offer, you won’t have the option to appraise. The only options you have are the following: 1) file for a lawsuit against the at-fault driver in the small courts claim if you fall within limits; 2) make a claim with your own insurer if you have the additional coverage; or 3) seek other legal options.

If you’re filing with your insurer and either of you doesn’t agree with the physical damage loss to your vehicle, either of you may also request for an appraisal. The appraisal works this way:

  • You’ll have to choose and pay for a representative appraiser
  • Your insurer will choose and pay for their own representative appraiser
  • Both appraisers will choose their umpire – a neutral third-party. You and your insurer may split the payment for the umpire
  • Both appraisers will hand in their estimates
  • Should the appraisers disagree with the estimate, they will be made to submit the difference to the umpire. Any decision made following the said recourse will be binding
We see you as a person, not just a client – and that makes us better at what we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put people first.
A lot of personal injury lawyers raise their contingency fee throughout the process, charging 1/3 if the case is settled pre-suit, charging 40% if the case is filed after a lawsuit is filed, and charging 50% if the case goes to trial. We don’t. At Mike Agruss Law, our personal injury contingency fee is always 1/3 and that’s not changing. We will handle your property damage claim FOR FREE.  We will never change our contingency fee throughout the process.  You will not owe us a penny unless you get money. Our unique formula has earned us over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 145 five-star reviews on Google. Call 888-572-0176, e-mail us at [email protected], or schedule a meeting with us here. We’re here 24/7.

Submitted Comments

No Comments submitted yet. Sharing your story will help others!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

Form successfully submitted!