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Health insurance lingo, that is.
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Mr.Whump | Have issue with state farm insurance company.State Frarm is looking to deny my claim.What should i do.? |
I cooperated completely but now they want all my financial records,phone records, etc.. plus a 3 hour deposition under oathe. Ive already given to recorded statements |
 |
 
Queen B
 |
what is the claim for? there is a reason they are doing all this. its usually because there was an injury with a large claim OR they think you are lying about something. if you do not comply, you won't get anything. they cannot just deny your claim for no reason, so just give them what they want unless you have something to hide. |
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Patricia C
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Comply or you won't get anything. Insurance companies didn't get rich by paying off claims and they do everything they can to avoid paying you. |
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MSAD
|
It sounds like they are requesting an EUO (Examination Under Oath). Read your policy - it says that you will do an EUO if requested. Apparently they have questions about your claim. If your claim is legitimate - I don't see why providing the requested records and EUO is a problem.
**not legal advice** |
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§ ☼ JLG ☼ §
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What you should do is comply with what they are asking. I know it may seem a little much, but, if you have nothing to hide, then stop whining and do it. I am glad to know that the company goes the extra mile to ensure they are not paying fraudulent claims - because if they were, then your rates would be much more than they are now. Again, if you have nothing to hide, then give them what they are asking. |
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foxychick24
|
Ask your agent to mail you a copy of the State Farm Car Policy Booklet.
There should be a section for Insured's Duties for reporting a claim.
In that section the following responsibilities of insureds are explained:
Under other duties under the physical damage coverages:
e. answer questions under oath when asked by anyone we name, as often as we reasonably ask, and sign copies of the answers
Under other duties under medical payments, funeral benefits, loss of income, death, dismemberment and loss of sight, uninsured motor vehicle and underinsured motor vehicle coverages:
(2) give us authorization to obtain copies of wage, tax, business or financial records, medical records or any other records necessary to determine the amount of damages
I wish you the best of luck with everything, and just keep on cooperating because in the long run, it will make it easier on you and the claims department.
Good luck! |
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Gem
 |
Time to contact a lawyer-just realize that you will be "sharing" any settlement with the lawyer.
When an insurance company pulls out all these things they think one of two things:
1. Fraud. Don't believe you and are going to dig deep trying to prove it.
If you are not defrauding them, get a lawyer to protect your rights
2. They are trying to make you give up. Again, a lawyer helps
Good luck
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