1. negotiate with the insurance company. Just because the insurance company refuses to compensate you doesn't mean that the result can't be "reversed". If you have any objection to the settlement result, you can directly negotiate with the insurance company to appeal, express your demands, your views on the settlement result of the insurance company, and provide evidence and basis for your refusal to pay compensation. If the claim is really unreasonable, the insurance company is usually willing to settle the dispute through friendly negotiation, which is a more convenient way to resolve the dispute by itself. 2. Complaining to the banking supervision department about insurance companies 12378 is a unified service line for rights protection set up by the CIRC, which is official+professional+timely+effective. As long as consumers provide strong and effective evidence, the CBRC is definitely on the side of consumers. Once the opinions are adopted, the CIRC and the Insurance Regulatory Bureau will warn the responsible persons of relevant insurance companies, conduct supervision talks and issue supervision letters to help consumers recover relevant economic losses. Some netizens said that after they complained to 12378, the insurance company immediately called to show goodwill. The CIRC will publish the complaint data of major insurance companies every year. Generally speaking, if the ranking of insurance companies is poor, it will be unfavorable to the company's subsequent development, so insurance companies must be most afraid of consumer complaints to the CIRC. 3. sue the insurance company if the above methods can't effectively solve the dispute, you have to consider going to court. After all, law is the last line of defense to safeguard fairness and justice. It is also one of the most effective methods to solve insurance claims disputes. What if the insurance company refuses to pay compensation? What if I can't handle it myself? Insurance and law are quite professional things, and most people often lack the corresponding professional knowledge to judge the rationality of refusing compensation. At this time, seeking professional help is the best choice! Find an insurance lawyer with practical experience and tell the lawyer the truth about the refusal in his case. The lawyer can quickly judge whether the reasons for the refusal of insurance companies are established from the aspects of insurance contracts, claims rules, medicine and law. If it is reasonable to refuse compensation, then you can accept it calmly; If the refusal is unreasonable or controversial, users can respond to rights protection in time, so as not to miss the opportunity to claim rights protection.
I hope it helps you.