 Appeals Process on a Rejected Insurance Claim? |
| I recently submitted a claim (very legit) and the adjuster has rejected it. Is there an appreals process for this? We have asked the agent and adjuster about this and they say no. But there has to ... |
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 Liability insurance? |
My partner is going self employed as a plasterer, were can he get liability insurance from?
Additional Details
can you recomend a company?... |
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 Brighthouse problems help? |
| i purchesed a laptop through brighthouse last year im paying every single week and i pay the insurance for it aswell but five weeks ago it broke down and i kept paying the payments for it but my ... |
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 Why the heck does car insurance make you pay more...? |
| when you call to file a claim? Like, why do they raise your rates when you call them to use their services that you're already paying for? Someone pryed the emblem off my friends car and he said ... |
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 Health insurance? |
| Dear friends, I was an international student in the past spring semester and my health insurance is still valid until the end of this summer. Thankfully I have not used my insurance at all and I was ... |
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 What happens when you get renters insurance? |
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 How do I go about getting life insurance when I do not like dealing with salespeople? |
| I always feel like they want to keep selling me more and more....I just want a simple term life insurance policy for myself, and my husband. What is the EASIEST way to get this set up, sans all the ... |
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| Must buy insurance for every person with a license? |
why did my car insurance company tell me i HAVE to buy insurance for everyone in my household with a license. is this true??
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EVEN IF THE PERSON DOES NOT DRIVE THE CAR A... |
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 Can I be added to company insurance with a bad driving record from years ago? |
| I have just been hired to be a rep for a manufacturer. this lob will require 70% travel. The only hangup is i am scared that when they send over my license, i wont be able to be added because of 4 or ... |
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 Is it possible to have two insurance plans? |
| okay, i am wondering if its possible to have two insurance plans because im thinking about getting a 2nd job, and i want to apply for health benefits at the 2nd job because if i happened to ditch my ... |
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im 14. but i was looking up a therapist on this website in my area cause i think i have some dissociation disorder or something. and this is some of the info on her page:
# Avg Cost (per ... |
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 Is an ebay seller supposed to give a refund for a lost item if the buyer did not but insurance? |
| I am the seller. The buyer has filed a dispute with Paypal. My ad clearly states no refunds without insurance. Is Paypal going to take my money and give it to the buyer for the Post Office's ... |
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 How do I find out if a UK company has public and/or employers liability insurance? |
| I am about to deal with a company who is telling me that they have these, but cannot provide evidence - which seems suspicious to me, so is there a "central register" or something that I ... |
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 Insurance Question...??? |
| Does anyone know if you can obtain medical insurance after you become pregnant. If so what company?... |
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 Do I still have to pay for deductible? |
| My parked car was hit hard and the demage estimated $1,400 to fix it. Isn't the at fault carriers insurance suppose to pay for it? Why is my insurance asking me to pay deductible, if my car was ... |
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 Is it normal for an insurance company to do a credit check? |
| I'm from Canada so it would be according to Canadian rules.... |
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Jacqueline W | Lapsed Life Insurance Question...? |
My father had a 50K Life Ins. policy that he was paying on for many, many years. I was listed as the only beneficiary. My father passed away in March of this year. When I called the insurance company to report his death, they informed me that he had let the policy lapse a month before his death. It was past the 30 day grace period. My question is: Becasue my father was seriously ill, we also found that he forgot to pay a few other bills in the previous months (ie...property taxes, gardner...etc.) Is it possible to hire an attorney to help me fight the lapsed policy and still collect on it - citing my father's illness for lack of payment?
Additional Details
Kate: Ouch! When somone you love dies, I hope you receive kinder words from strangers. Be well. |
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src50
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You can consult an attorney. I would guess that there is not much recourse here since the insurance company acted in accordance with the terms of the policy. I've seldom seen insurance companies pay out any benefit they didn't have to. Sorry about your father. |
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Modus Operandi
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If he was paying on the policy for many, many years as you suggest, I would assume there is some cash value attached to it and therefore you have a claim to something. Call the agent. |
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TedEx
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I'm sorry, but death or illness does not amend the terms of a contract, and that'
If this is term ins, then there is nothing to be gained. if it is ordinary life, then there might be an accrued cash value.
You should call the agent and ask for an explanation. He should be listed on the policy. |
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Be@st
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well, supposed you could try.
Still feel sorry four your father though.
Brace up, don't be sad |
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Mr. Prefect
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Did you find any statements from the insurance company on any past amount? Realistically you lose, since it elapsed so long. Unfortunately he never told you of a policy. Maybe you guys weren't close. |
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kate
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Maybe he decided not to pay since no one seemed to care enough to help him out with those bill paying issues ?
> |
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mbrcatz
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Sure, you can hire the attorney. NO, it's not going to win your case.
Insurance companies don't give free insurance to people because they are too sick to pay the bills. It's a bet over a certain time period. Having a whole life policy doesn't guarantee you anything except that the price won't change - you STILL have to pay the bill.
It's just like if he regularly played the lottery, and was too sick to buy tickets the week his number came up - you gonna sue the state to collect anyway? Well, you'll lose.
It's a sad time, but there are several good lessons everyone can learn from this:
1. when elderly relatives start failing, it's a kindness to get POA over them to make sure their bills get paid on time. Even if they get mad at you for it.
2. automatic bill paying from your bank account can be a very good thing. |
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