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Featured Link – Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse

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.

Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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