Posts tagged ‘claim’

Insurance bad faith attorneys litigate cases against insurance companies when the insurer wrongfully denies a claim or seeks to rescind and insurance policy or coverage under the policy. The first type of insurer bad faith that our California insurance lawyers will discuss was publicized perhaps most pervasively in recent years in connection with the debate on health care reform, although the same type of callous insurance industry tactics to reduce insurer liability by wrongful denial of claims and rescission of insurance policies certainly cut across every type of insurance from homeowners insurance, involving bad faith refusals to pay covered losses for fires, floods and earthquakes, life insurance, disability and even business loss insurance claims.

Many poignant testimonials were discussed in the health care debate in which the health insurance industry’s strategies to increase profits by denying covered medical insurance claims or by rescinding the health insurance policies where it appeared that the insured was seriously ill or would require long term treatment. It had become a cost/benefit analysis for the insurance companies, and where the policy holder became seriously ill so that the cost of paying the insured’s claims substantially exceeded the monthly payments expected from the insured, the insurance companies had internal policies to deny the claims and rescind the policies. One common insurance company tactic that has been common knowledge to our California insurance bad faith lawyers, and which came out in the health insurance debate, was If the claimant was seriously ill, the insurance companies would have teams of employees who would look back to the original insurance application and then conduct investigations into the claimants life medical history to find the most insignificant and often totally unrelated omission in an answer to a application question to “justify” the rescission of the insurance contract. A claimant may have contracted cancer, but the insurance company will assert that the insured “failed to disclose” that he or she had gone to a hospital years ago for a toe infection and on that basis refuse to pay the claimant’s substantial medical expense for the cancer treatment.

Continue reading ‘Insurance Bad Faith Lawyers Sue Insurance Companies When Then Deny A Claim’ »

Loan insurance also known as Payment Protection Insurance is designed to make your monthly loan repayments in case you are unable, due to accident sickness or redundancy. But customers mis-sold their PPI could have debts written off and the insurance refunded.

It is estimated 85% of customers take out loan protection insurance when purchasing a loan, credit card or a mortgage for redundancy insurance or critical illness cover.

However, many customers have purchased loans without realising that payment protection is attached, or have been mis-sold credit cover with their loans, resulting in paying unnecessary insurance.

How can mis-sold Payment Protection Insurance help Write off Debt Continue reading ‘Mis-Sold Payment Protection Insurance – How to Reclaim PPI When Mis-Sold on a Loan Or Credit Card’ »

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People go to extreme lengths to get the best insurance deal. There is nothing wrong in trying to bring your insurance costs down. Paying premiums year after year without receiving any tangible benefit other than protection from possible accidents or emergencies can be very frustrating.

There are many individuals who blindly lie to their insurance providers to keep their insurance premium down. This works counterproductive in the long run as this given the company an opportunity to refuse payment when a claim is filed. Instead of using such ridiculous tactics, it makes sense to use the World Wide Web and quote comparison facility to find the best deal that offers maximum coverage and lowest cost. Continue reading ‘Find Insurance Quotes Online – How to Compare and Find the Cheapest Insurance Quotes Online’ »

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What is it?

A captive is a type of insurance company that protects the risks of its owner. It pays any claims against the owner’s business. Choosing a Captive Manager can be a daunting task. While there used to be only several major captive management companies in America, recently, several new start-up captive managers have entered the industry and are competing for business.

Here are several things you should look for in order to be confident in whom you choose:

Manager Experience and Staff Continue reading ‘How to Choose the Best Captive Manager’ »

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In Houston, more homeowners and businesses are getting back on their feet thanks to tireless efforts of Houston area Public Insurance Adjusters.

In Houston and in Galveston areas, getting money for wind or flood damage has been a huge challenge to some property owners. After filing their property claim, disputes over values, contents, and structural repair costs have been dragging down progress on repairs. But, with the help of experienced public insurance adjusters, Texas property owners are seeing results.

In one property insurance claim, a homeowner was in a dispute with insurance companies over damage caused by a large tree that fell onto his house. One flood insurance representative claimed the tree damage would be paid for under a wind policy, while a wind insurance representative claimed the damage would need to be paid for by the flood. Locked in the dispute, the homeowner was caught in the middle. Continue reading ‘Houston Texas Public Insurance Adjusters Help Property Owners Rebuild’ »

When you change jobs, it can affect many different areas of your life. Your daily routine, your friendships, and your finances are certainly affected, but you expect those changes. What you may not be expecting is to be able to get a change in your car insurance premium.

Most car insurance premiums are calculated based on averages. Traditional insurance companies analyse transport data and use it to calculate how many miles the average full-time driver travels in a year. They create their rates according to the averages, with additional fees thrown in for accidents, parking tickets and claims costs. Continue reading ‘Should Your Insurance Company Care If You Change Jobs?’ »