Disputing an insurance settlement can be a time-consuming and frustrating process, but it is often worth the effort. In order to dispute your claim, make sure you are keeping a written record of everything. Respond in writing to any offers you receive and consider negotiating aggressively with high-ball offers. Do your best to leave your emotions out of it. If you believe you’ve been treated unfairly by the insurance company, don’t be afraid to escalate the dispute. Insurance claims rarely go to court but it is possible, especially when plaintiffs believe the insurance company is not negotiating in good faith.