The whole point of auto insurance is to get help when you get in an accident or otherwise have to deal with damage to your car. Unfortunately, however, some insurance companies try to get out of paying the money that their policyholders deserve. If you have a damaged vehicle and aren't getting the help that you deserve from your insurance company, you could be wondering how to proceed. Luckily, following these steps can help you get the money that is owed to you.

Ask to Speak to a Higher-Up

Don't just assume that the letter that you received from your insurance company includes the last word. Instead, call your insurance company and ask to speak to a higher-up. In some cases, those in management positions are willing to help their clients with these issues. Plus, this will give you an opportunity to complain about the bad experience that you have had with the company so far.

Hire a Public Adjuster

In most cases, insurance companies send out their own adjusters to assess the damage to a vehicle. Although this works out well in most cases, it can be frustrating if the adjuster isn't assessing your vehicle damage correctly. One great option is to hire a public adjuster. Since one of these professionals will be working for you, you won't have to worry about him or her being on your insurance company's side. Once you have the assessment in your hands, you should submit a copy to your insurance company, along with the basic information about your adjuster -- such as his or her name and license number. After your insurance company has seen the new damage estimate, it might go ahead and release the funds to have your vehicle repaired.

Talk to an Attorney

There are attorneys out there who deal with insurance-related problems on a daily basis. If you feel that your insurance company is not going to pay for the damage that has been done to your vehicle, your best option could be to hire an attorney to help you. Although it's generally best to handle these cases through other methods, this is a sure-fire way to bring your insurance company to court for not honoring your policy.

Dealing with a damaged vehicle can be stressful enough, and it can be even worse if you are dealing with a problem from your insurance company. Luckily, one of these options should help you get the assistance that you need.