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Mediation
Working with a neutral third party to reach a mutually acceptable resolution.
Typical Timeline
1-3 months
Typical Cost
$500-$2,000
Binding?
Usually No
What is Insurance Mediation?
Mediation is a voluntary process where you and your insurance carrier meet with a neutral third party (the mediator) to try to reach an agreement. Unlike arbitration or litigation, the mediator doesn't make a decision—they help facilitate a conversation.
Advantages
- • Less expensive than litigation
- • Faster resolution than court
- • You maintain control over outcome
- • Confidential process
- • Preserves relationship with carrier
- • Can still pursue other options if it fails
Disadvantages
- • Not binding (carrier can reject)
- • Requires carrier cooperation
- • You pay half the mediator's fee
- • No guaranteed outcome
- • May delay other resolution paths
When to Consider Mediation
Your policy requires it
Some policies mandate mediation before arbitration or litigation
The dispute is about valuation, not coverage
Mediation works well when both sides agree coverage exists but disagree on amount
You want to avoid court costs
Mediation is significantly cheaper than litigation
Both parties are willing to negotiate
Mediation only works if both sides come in good faith
Consider Legal Representation
While you can attend mediation without an attorney, having legal representation can help ensure you don't accept a settlement that's less than you deserve. Many insurance attorneys offer free consultations.
Preparing for Mediation?
Strong documentation is your best asset in mediation. Get a professional analysis of your claim to support your position.