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.