What action should be taken if a claimant is dissatisfied with the settlement offered by their insurance company?

When a claimant is dissatisfied with the settlement offered by their insurance company, requesting a review or reconsideration of the claim is a prudent course of action. This procedure allows the claimant to engage directly with the insurance company to articulate their concerns and present additional evidence or arguments that may support a higher settlement offer.

This approach is often encouraged as the first step because it demonstrates a willingness to resolve the dispute amicably and may lead to a more favorable outcome without escalating the situation. The claims review process typically involves the insurance company reassessing the claim based on additional information or clarifications provided by the claimant.

Choosing to immediately sue the insurance company can lead to a lengthy and costly legal battle, which might not be necessary if the issue can be resolved through internal channels. Accepting the offer to avoid conflict does not address the claimant's dissatisfaction and can lead to eventual regrets, while contacting local media would likely not yield practical benefits in resolving the individual claim and could instead complicate the situation. Hence, the best and most constructive step is to request a review or reconsideration of the claim.