If an insured is unhappy with the degree of fault established by their insurer, what action can they take?

When an insured feels dissatisfied with the degree of fault determined by their insurer, one appropriate action is to sue their insurer. This option is available to the policyholder because they have the right to seek legal recourse if they believe the insurer's assessment of fault is incorrect and has caused them financial harm or impacts their claim. By initiating a lawsuit, the insured can present their case in court, providing evidence and arguments that may lead to a reassessment of fault and potentially a different outcome favorable to them.

However, pursuing legal action can be complex, time-consuming, and expensive, which often leads insured individuals to consider other avenues before resorting to a lawsuit. Solutions may include engaging in internal disputes with the insurer or seeking alternative methods for resolution, such as mediation or arbitration, but these processes depend largely on the specifics of the case and the insurer's agreed terms.