 Fiance's mom pushing life insurance? |
My fiance was recently diagnosed with Hyperemeis ( http://hyperemesis.org ), a disease which affects 1% of pregnant women. Due to this she's been in the hospital 3 times in the last month.
<... |
|
 Ok big decision here so I need some expert advice. Question about Life Insurance? |
| I'm buying Life Insurance. I have a 8 month old and I'm 28, non smoker and in perfect health. I got a quote that is for 30 years and for a 1,000,000 premium I would pay 70.84 a month. T... |
|
 Car insurance WITHOUT a bank account? |
does anyone know where/what car insurance i can get as i can not have a bank acount or debit/credit card.
can only pay with cash by monthly ... |
|
 I own a office condo , i was told that i didnt need property insurance,? |
| because the condominium association does that since condo owners only own whats inside not the structure itself, but i have the bank calling me about property insurance., What kind of insurance ... |
|
 Where is a safe place to keep important papers like life insurance policies, your will etc.? |
| I read that you shouldn't keep these in a safe deposit box but the article didn't say why.... |
|
 Does term life insurance take into account the combined income of a married couple? |
| I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that ... |
|
 Ive had auto insurance in my own name for 2 years and ive payed it every month in full and on time? |
| now if i were to try and get a loan for a new car would that help as far as credit or anything? like if they ran my social securiy number and name would they see that i have good bill payment history?... |
|
 Is and insurance companey responsible for providing a rental while repairs are being made? |
| i had a furniture truck back into my car and need to bring it to be fixed , yet the insurance companey of the people who backed into me will not pay for a ... |
|
 Is a persons spouse entitled to a life insurance policy no matter who is named as the beneficiary? |
| my husband has a life insurance policy but his mother is the beneficiary.........am i entitled to any of that?... |
|
 Am I still covered by my employer? |
| I recently left my job and I was wondering if the insurance company has to contact me to inform me that my coverage is no longer valid or should I assume that it no longer exists. I can still sign ... |
|
 How can i sue my auto insurance co. for paying out a fraudulent claim? |
| they paid $75000 on a claim that they did not find anything wrong .I did not get a ticket for the accident and the person was not touched or hit or anything at all happend to him . Only thing that ... |
|
 Do most standard home owners insurances cover sewer line breaks (not sewage backups)? |
| I see a plethora of information out there, even in my own policy, that makes it clear that sewage backups are usually not covered. However, I do not have a backup. I have a sewer line under my ... |
|
 Has anyone had a problem with State Farm Homeowner's insurance? |
| Everyone in our neighborhood got a new roof after the last hailstorm, but we didn't. There was a special on our news about State Farm denying most of their customers new roofs. Anyone else have ... |
|
 Am I being charged too much for insurance? |
| For my car insurance I am being charged about $260 a month. I have full coverage with a $500 deductible on an 06 Honda S2000, I have no tickets or accidents on my records, and I am a 20 year old male.... |
|
 Term Life Insurance? |
| If I purchase a 10 year 'term" life ins policy in 2007 and get married in 2011, what will be my options ,if any at that time?... |
|
|  |
Samantha J | My insurance is void because I didn't declare claims history, But I did, Please help!? |
I am more than sure that I declared my previous claims history. I have held insurance with them for 18 months. I recently tried to make a claim but it was declined and I was informed that my insurance is now void. Any advise will be greatly welcome as I am having difficulty in getting another insurance. Thank you. |
 |
 
CW
|
As some of the answers above have pointed out claims history is normally a section on the proposal of which you should have a copy.
You should continue to take up the matter with your insurance company making sure that you back up your complaint with evidence. After 8 weeks (the time allowed for the complaint to be dealt with) or after a final letter, with decision, has been sent to you if you feel that the insurance companies decision is unjust you can contact the finacial ombudsmen (more info can be found http://www.financial-ombudsman.org.uk/)
Hope this helps |
|
bud68
|
First of all, what KIND of insurance are you talking about? |
|
davetumalty
|
It is simple tesco insurance did it to me last year. Follow the insurance companies apeals procedure when they investigate it they will look at your original online quote form or listen to the recording of your telephone call.
(they are legally required to keep your original application and recording of phone calls for 10 years) |
|
Casino Rob
|
Did you sign an application form? If so, ask for a copy - this way you'll be able to see exactly what information you provided on application.
Did you apply for the policy via telephone? If so, it's likely that the call was recorded. Ask for a copy. |
|
glencat67
|
when your insurance company sent you there documents there would have been a proposal form if on this for your claims are stated then you can complain and get them to pay out on the insurance. if on this form there are no claims it was down to you to check and inform your insurance company of any changes or claims not stated, as this form is the contract with your insurance company. this does not matter if you signed it or not, as these days it is more a statement of fact.
the duty of disclosure is down to you and the insurance company. |
|
es
|
Check your policy application, this should tell you what you declared. If you feel you have been denied and cancelled wrongly, you can file a complaint against the insurer with the state insurance department, in the state where you live. You should also write a letter to the insurer, return receipt requested, and ask that your claim be re-investigated and re-opened. You can consult with a public adjuster. The adjuster can try to negotiate on your behalf, but you will have to pay him/her. You can also seek legal counsel if the denial is significant enough financially. The trouble with lawyers is that they charge so much, it often costs more to sue than to walk away. Good luck. |
|
amust2407
 |
Request a copy of your insurance application. This should state what claims you reported. If there is even one that you failed to mention to them, they're correct in voiding your policy. If you signed the application without making sure they put all the previous claims you told them about on there.....it's still your fault because you didn't check it before you put your signature on it.
Also, it's going to be extremely difficult to get written with a standard company if you don't get this cleared up. If you're clearly in the right, it would probably be worth taking it as far as you can since this will cost you TONS in the long run from other insurance companies. |
|
Alyssa
|
Follow the company's arbitration process and dispute the decision. |
|
lazyman
|
some vague advice ; did you at some stage sign a proposal , listing claims history ? worth investigating . ask to see your insurance proposal . If you believe you are right then keep at them . At some stage it may become more economical for them to back dowm . good luck . |
|
blah blah
|
My god some of you talk shit there's that many hidden clauses and statements in insurance documents unless your a solicitor or understand all the bullshit thats in the policies you've not got a chance. Insurance is one big rip off scam! to all you who are going on about! " you should of done this n that" lets hope you dont have a crash or need to make a claim because then you will realise how shit your insurance company really is!!!!!!!!!!!!!!! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 26 minutes(s) ago
| | | |
10 | 55 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
10 | 3 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
10 | 9 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
10 | 2 day(s) ago
| | | |
9 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
