Personal Injury Law

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.