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Some auto insurers, however, are now offering supplemental insurance products at additional cost that extend coverage for vehicle owners providing ride sharing services. This "How To" article is crucial, up to date information concerning what to do if your insurance company is giving you a hard time regarding your own motor vehicle accident claim with them and you're positive it's "Legit". If there's some problems with whatever position they've taken regarding your Property Damage Loss or any other coverage questions they may be ducking/stalling/ignoring and/or disputing you don't have to sit back and take it!You DO have options to settle your dispute and you should proceed as follows:1. FIRST, LET YOUR AGENT KNOW YOU'RE UNHAPPY: Ask them to go to bat for you. If they sit on their butt afraid or "too busy" to get "involved" with your "problem" find out the name and phone number or your insurance companies nearest Claims Department. Contact them and ask for help.

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What is a policyholder savings dividend?The policyholder savings dividend is a discretionary sum returned to a policyholder by the Interinsurance Exchange of the Automobile Club “Exchange” out of its surplus. Dividends are not guaranteed and are paid when approved by the Exchange. If payment of a dividend has been approved, when would I find out?If a dividend is approved for payment, it will be listed in your auto renewal offer, which you should receive at least 30 days before the expiration date of your policy. Although you will be notified of a dividend payment in the renewal offer, you are not required to renew your policy to qualify for the dividend. How do I earn a dividend that has been approved?To earn any approved policyholder savings dividend, all you need to do is complete your policy term. If your auto policy is canceled before the expiration date, a dividend will not be paid on the policy. Are dividends guaranteed?No. Dividends are approved at the discretion of the Exchange, and the amount of any future dividend may vary from year to year. While auto insurance dividends are not guaranteed, they have been paid for more than 20 years. Please note that available coverages are subject to policy limits and may vary by state. Personal lines insurance may not be available in every state or throughout a state.