What action would Christopher take against an insurer that undervalues the damages to his garage?

In the situation where Christopher feels that the insurer has undervalued the damages to his garage, the appropriate course of action is to issue a complaint against the insurer. This method allows him to formally express his dissatisfaction with the insurer’s assessment of the claim. By filing a complaint, he can initiate a review process through the state’s regulatory body, which oversees insurance practices, ensuring that insurers are held accountable for their actions and that claims are evaluated fairly. This approach not only addresses Christopher's specific situation but may also prompt broader scrutiny of the insurer’s practices, potentially benefiting other policyholders as well.

Filing a complaint is a critical step in seeking resolution and engaging with a regulatory framework designed to protect consumers. It establishes a record of the grievance and can lead to mediation or further investigation into the insurance company's claim handling practices.