• When you operate a car on the road, your policy must include state minimum insurance coverages.yellow car, a honda japanese sport car model image by alma_sacra from Fotolia.com
  
  You depend on your auto insurance to protect you against costs of personal injury or property damage. Finding a quality car insurance company will give you peace of mind. If you experience problems with car insurance and cannot resolve them, it is time to decide whether to change companies or pursue legal means.
  
  

Bad Credit

• You might have trouble getting a policy written due to credit problems such as foreclosure, bankruptcy or repossession. Or, you might have a claim on your homeowner's or auto owner's policy. Even with credit problems, you should be able to find a decent provider. Don't pay too much for car insurance because of bad credit. Learn your rights under federal law so you can determine if insurers have rejected your application for insurance unfairly. Privacy Rights Clearinghouse provides extensive information on rights of insureds.
  
  

Claims Processing

• In 2007, the Massachusetts Department of Insurance reported 73 percent of consumer complaints against their insurers concerned problems with claims. To avoid these problems, when researching coverage, choose an insurance company with a reputation for efficient claims processing in a timely manner.
  
  If you do experience problems with claims processing, you can ask to speak to a claims supervisor. If you still do not get the assistance you need, you can file a complaint against your insurer through your state's insurance department.
  
  

No-Fault

• Some states, like New York and Florida, have no-fault laws requiring you to use your own insurance for injuries sustained in an accident, even if you weren't at fault. You have legal rights to make a consumer complaint against an insurance company that denies a no-fault claim. For example, in New York State, consumers who have been denied a no-fault claim by their auto insurer may sue their company or pursue arbitration.