A report issued by the American Association for Justice, Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse, offers these tips for getting your insurance company to pay what it owes:
• Read your policy carefully: 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, it may send you a refund for the premiums you paid. Cashing it may be interpreted as accepting its decision.
• Put everything in writing: Calling your insurer is likely to be a frustrating experience and you won’t be able to prove anything a rep tells you on the phone. Keep records of all bills and correspondence.
• Contact the Department of Financial Services: As the state insurance regulator, it may be able to help you (877-693-5236, toll-free). But it will not represent you in a private matter, so you may still need to consult an attorney.
• And most of all, do not give up: Insurance companies count on it.
CALL THE TRIPP LAW FIRM FOR A FREE CONSULTATION TO DISCUSS YOUR LEGAL RIGHTS 1 (888) 392-LAWS (5297).