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Car insurance is necessary when you buy a vehicle. This protects you from needless worry on the road as well as defending others from careless acts. You pay good money to your insurance provider for fast and courteous service in time of need. However, sometimes these companies disagree with the drive on what is covered and what is not. When you run into these types of hassles, you may not know what to do. There are methods to ensure your provider settles quickly without added stress. Who Controls The Insurance Companies? Certain states have departments that control the insurance companies for that state. For example, Texas has a department of insurance. You can find specific information on the state's website if applicable or email/call the department. If your specific state has such department, they work with you as well as the insurance farm to come to a quick settlement of your dispute. Look up your state on the Internet or call your local government to find information about this type of department. Methods of Gaining a Quick Settlement Learn how to negotiate without paying for a lawyer or mediation. Typically, insurance farm try to lowball the price they wish to payout. Every claim agent is instructed to offer the lowest possible price of the claim, especially if it is the other driver's insurance provider. If you believe that the payout offer is too low, feel free to reject the first offer. Present all receipts (if fixed) or estimates for repair. If the vehicle is totaled then present the "Kelly Bluebook" value of the car at the time of the accident. Other methods of gaining a quick settlement: Before leaving the scene, find witnesses. Take their name, phone number and address. It is important for witnesses to be cooperative to you, the police as well as the insurance farm. Read the fine print on your insurance agreement. Know if you have a leg to stand on before disputing the insurance company's offer. If it is another driver's insurance policy, investigate their provider. Typically, you can read or request a policy term from the company's website. Mail a certified letter to your insurance provider. Explain all damage to your vehicle including damage to personal property inside and any personal injury. Send witness accounts, pictures of everything damaged and the information concerning the payout amounts to become whole again. Additionally, add the policy agreement and highlight any information in your favor. Seek a lawyer's advice. One letter from an accident attorney can change the tune of the insurance farm and you could receive your settlement in a few weeks. Insurance companies can be difficult to deal with. This is especially true of the other driver's provider. However, when you are entitled to compensation, there are ways to make them pay what you deserve. It is important to fight for your rights. After all, you are paying to be protected. Dispute any low offers and obtain your insurance settlement quickly by using these tips.