California Insurance Coverage Attorneys

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California Insurance Coverage

1. Do you know what insurance plan you purchased? / Is your insurance policy’s coverage different from the coverage you were told you would have?

Whenever selling insurance coverage, sales people illustrate their carrier’s insurance policies in several ways. Insurance firms use ads, “summaries,” lists, leaflets, and various other articles they directly, or by means of their brokers, offer you to describe the lawsuits they will pay or coverage their policies offer.

At times the advertisements, summaries, lists or leaflets describe issues that they will pay for, when in fact the insurance policy you are mailed, typically months after you invest in it, does not take care of or pay for factors discussed in the summaries, lists and advertisements.

Given that insurance policies are hardly ever sold by providing you the policy, before buying it, have an agent or sales person describe what you actually bought, insurance policies often have unpleasant surprises based on coverage that is different from what you were promised or informed you were getting.

2. Does your policy contain illegal provisions?

As well as supplying buyers policies which are different from what they were instructed they were getting, insurance companies occasionally write their insurance policies in violation of state laws. States restrict specific exclusions and policy limitations, however when an insurance carrier sells insurance policies in numerous states there have been scenarios where their multi-state coverage violates the laws of several of the states in which it is sold.

3. Has your health insurer mis-categorized your treatment and as a consequence eliminated your insurance coverage?

When it comes to medical insurance, an insurance policy typically describes what medical care or treatments are included, but it doesn’t typically describe all possible treatments, diseases or conditions. The healthcare industry relies on a coding system to describe patient treatment. The codes are linked to whether or not, how much and for how long a health insurer will cover treatment. Through incorrect or doubtful coding of your condition, illness or treatment, you could lose your coverage or get it constrained.

4. Property Insurance: If there are covered and non-covered motives to eliminate or replace section of your house or building, which did your insurer pick?

The need to remove drywall, tile, natural stones, or to test out heating or air conditioning equipment could possibly be due to a non-covered cause or because of covered cause. Has your carrier disregarded the covered cause and just flat-out denied your lawsuit? You might need knowledgeable coverage attorneys to analyze your policy to work through the morass of coverages, exclusions and definitions which have to be pieced together to truthfully determine whether your damage is covered.

5. Were you made aware when signing up for insurance that you would be given a “short rate” refund (in truth a penalty) in the event you terminated the insurance policy before the end of the insurance plan term?; were you made aware of your insurance company’s “short rate” refund policy when you bought your coverage?; were you made aware of the your insurance company’s “short rate” refund policy once you called to end your policy?

California Short Rate Fee

A “short rate” is the insurance premium fee an insurer charges you when you stop your policy before it expires. While many insurance firms go back to their insureds the pro-rated unused percentage of the premium, a small group of insurance firms charge their coverage holders a fine for terminating their coverage before its conclusion. Those company’s reimburse only the short rate unused percentage of the insured’s premium. Farmers’ did not inform the insured that contacted Eppsteiner & Fiorica at the time it sold the policy, when it mailed renewal notices, when the insured ended his coverage, nor even then they mailed him his coverage reimbursement that they were merely paying him a “short rate” refund. Isn’t this conduct fraudulent, misleading and dependent on withholding material information? Eppsteiner & Fiorica is currently investigating the procedures of Farmers Insurance, who has been brought to our attention by a client who claims they were not informed they would only be paid a “short rate” refund when he ended his coverage. Please continue for more details relating to this investigation.

At Eppsteiner & Fiorica, our experience is that insurance providers usually do not interpret insurance policies fairly or to favor you. Occasionally you can determine disagreements with your insurance company. However, too frequently you will need a lawyer with knowledge and experience in insurance coverage matters who can sort out the tangle of provisions, exclusions and definitions, and put together the pieces needed to perfect your insurance coverage and get your lawsuit paid. If you are not able to obtain a good coverage solution worked-out on your own and need legal advice and a lawyer:

• Contact our California or Colorado law office at 866-548-8857
• Email us at solutions@eppsteiner.com
• Click here to contact