Rights You Have When Dealing With Auto Insurance Company Consumers have many rights when dealing with auto insurance carriers. Automobile insurance is a requirement for motorists in all 50 states. Because insurance is mandatory, consumers have many rights when dealing with their auto insurance carrier. Public Rate Information o Consumers have the right to pay premiums that are based on the accurate experiences of their insurance company. Insurance companies must file the rates they plan to charge with the department of insurance in the state in which they do business. Consumers have the right to access and review this information. Claims Handling o In the event of a claim, consumers have the right to collect appropriate compensation up to the limits of their insurance policy. Insurance companies are obligated to bring an insured vehicle back to the condition it was before the claim was filed. Coverages o Insureds have the right to choose their own auto insurance coverages based on the limits available in their state. Insureds also have the right to decline certain coverages they deem unnecessary for their situation. Auto insurance companies cannot force an insured to elect a particular coverage if the insured does not want it.