- 1). Research the fair market value of the property that was lost in the accident. If you are dealing with a car insurance claim for instance, the Kelly Blue Book is an excellent resource. This widely used publication provides detailed information on the value of automobiles, including trade-in value and private sale information.
- 2). Pull out a copy of your insurance policy and review it carefully. In order to file an effective appeal you need to be aware of the specific details of the policy you have been paying for.
- 3). Locate the customer service number listed on the insurance company and call that number. Ask the representative you speak to how to file an appeal. In some cases you will be able to file an appeal online, while other companies will require you to file a formal appeal through the mail.
- 4). Ask the representative to send you an appeal form is one is not available online. Complete the appeal form as soon as possible, and be sure to attach any backup information, such as a listing from the Kelly Blue Book showing that the value of your car is much higher than the offer you received. A local classified ad showing a similar car at a higher price can be valuable as well.
- 5). Make it clear to the insurance adjuster that you have no immediate need for the money, and that you are willing to hold out until you get the compensation you deserve. Insurance companies need to close their old cases, and they are often willing to raise their offers to get those outstanding claims resolved.
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