Auto Claims Mediation

5 Issues Not Eligible for Mediation • Coverage issues - the absence of coverage, and other underwriting issues involving failure to insure, cancellation, nonrenewal and rating issues. • Legal interpretations of policy provisions and terms. • The statute of limitations and contractual limitations on filing periods. • Agent or broker actions, unless there are allegations that the insurer was responsible for the conduct. • The inclusion of a lender on a claim payment draft. • Allegations of bad faith, and other demands for extra contractual payments. How Does the Mediation Process Work? The First Step – Notification It is necessary to go through the normal complaint process with the CDI before a referral to the Mediation Program can be made. You can contact the Consumer Services Division for information on filing a Request for Assistance either by phone or online. Please see the “Talk to Us” section for CDI contact information. Once the complaint process has been completed, and if there is no satisfactory settlement of your claim, the CDI will notify the insurer that if the dispute is not resolved, the dispute will be referred to the Mediation Program. The law requires that the company then be allowed 28 calendar days to resolve the dispute, prior to the initiation of the mediation process. Once this time has expired, and if the claim is still unresolved, you will be offered mediation unless a question of eligibility of the particular dispute for the mediation program is raised. If a question of eligibility is raised, it will be reviewed by the Department prior to continuing with the mediation process.