The American Association for Justice has published an interesting and helpful article titled Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse. The topics include:
Denying Claims
Delaying Until Death
Confusing Consumers
Discriminating by Credit Score
Abandoning the Sick
Canceling for a Call
Here is the summary — What you can do about it:
READ YOUR POLICY CAREFULLY: You should
know exactly what is covered and how to appeal a
denial by your insurance company.BE VERY CAREFUL FILLING OUT FORMS:
Even if you make an honest mistake your insurance
company may seize on that as a reason to retroactively
deny your coverage.DO NOT CASH A PREMIUM REFUND CHECK:
If your insurance company rescinds your insurance they
may send you a refund for the premiums you paid.
Cashing it may be interpreted as accepting their
decision.PUT EVERYTHING IN WRITING:Calling your
insurance company is likely to be a frustrating
experience, and you will not be able to prove anything
that a company representative tells you over the phone.
Keep records of all bills and correspondence.CONTACT YOUR STATE INSURANCE
DEPARTMENT:They may be able to help you.
But they will not represent you in a private matter,
so if all else fails you may need to consult with an
attorney.AND MOST OF ALL, DO NOT GIVE UP:
Insurance companies count on you giving up.
Fight for your rights.
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