Florida Insurance Coverage Attorneys

---

Florida Insurance Coverage

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

Whenever selling insurance plans, sales people illustrate their carrier’s plans in lots of ways. Insurance firms use ads, “summaries,” lists, pamphlets, and additional documents they directly, or via their brokers, give you to explain the lawsuits they will compensate or protection their policies offer.

Occasionally the ads, summaries, lists or pamphlets describe issues that they will cover, when in fact the protection that you are mailed, generally months after you purchase it, is not going to include or cover issues discussed in the summaries, lists and advertisements.

Provided that insurance coverage is hardly ever sold by providing you the policy, before you purchase it, have an agent or sales rep describe what you actually purchased, insurance plans usually have upsetting surprises depending on protection that is totally different from what you were guaranteed or informed you were purchasing.

2. Does your policy contain illegal provisions?

Along with providing customers policies which are varied from what they were informed they were purchasing, insurance companies occasionally write their insurance plans in violation of state laws. States forbid particular exclusions and coverage limitations, however when an insurance provider sells plans in many states there have been circumstances where their multi-state plan violates the laws of a few of the states where it is sold.

3. Has your health insurer mis-categorized your treatment and therefore eliminated your protection?

When it comes to medical health insurance, an insurance policy usually describes what medical care or treatments are included, but it doesn’t generally describe all possible treatments, ailments or conditions. The health care 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 respective ailment, illness or treatment, you could lose your coverage or get it restricted.

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

The need to take out drywall, tile, natural rocks, or to check heating or air conditioning equipment might be due to a non-covered cause or because of covered cause. Has your provider ignored the covered cause and simply flat-out rejected your lawsuit? You may require knowledgeable coverage lawyers to examine your policy to work through the morass of coverages, exclusions and definitions which have to be pieced together to honestly determine whether your damage is protected.

5. Were you made aware when signing up for insurance coverage that you’d get a “short rate” reimbursement (in reality a penalty) should you terminated the insurance policy prior to the end of the plan term?; were you made aware of your insurance company’s “short rate” refund policy when you bought your plan?; were you made aware of the your insurance company’s “short rate” refund policy once you called to terminate your policy?

Florida Short Rate Premium Fees

A “short rate” is the insurance premium price an insurer bills you if you terminate your policy before it ends. While many insurance providers go back to their insured the pro-rated unused part of the premium, a small group of insurance companies charge their coverage holders a fee for ending his or her plan before its termination. Those company’s reimburse the short rate unused part of the insured’s premium. Farmers’ failed to inform the insured that contacted Eppsteiner & Fiorica during the time it sold the policy, when it mailed renewal notices, when the insured terminated his plan, nor even then they mailed him his plan reimbursement that they were just paying him a “short rate” reimbursement. Isn’t this conduct deceitful, misleading and dependent on withholding material information? Eppsteiner & Fiorica is presently looking into the methods of Farmers Insurance, who has been brought to our attention by a customer who states they were not informed they would only be paid a “short rate” refund when he terminated his plan. Please continue for more details concerning this investigation.

At Eppsteiner & Fiorica, our experience is that insurance companies frequently do not translate plans fairly or to favor you. Occasionally you can figure out arguments with your insurance provider. Even so, all too often you will require an attorney with knowledge and experience in insurance coverage issues who can sort out the tangle of provisions, exclusions and definitions, and put together the pieces needed to perfect your insurance policy and get your lawsuit paid. If you can’t obtain a good coverage solution worked-out on your own and need legal assistance and a lawyer:

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