Michigan Insurance Coverage Attorneys

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Michigan Insurance Coverage

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

When selling insurance coverage, sales people illustrate their carrier’s insurance plans in several ways. Insurance firms use advertisements, “summaries,” lists, flyers, and various other articles they directly, or by means of their brokers, provide you to explain the claims they will compensate or coverage their policies provide.

At times the ads, summaries, lists or flyers describe things that they will pay for, when in fact the policy that you are mailed, normally months after you purchase it, does not cover or pay for issues discussed in the summaries, lists and advertisements.

Given that insurance policies are almost never sold by giving you the policy, before you purchase it, have an agent or sales person describe what you actually purchased, insurance plans usually have unpleasant 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?

In addition to providing people policies which are varied from what they were informed they were buying, insurance companies sometimes write their insurance policies in violation of state laws. States restrict selected exclusions and policy limitations, however when an insurance firm 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 coverage?

When it comes to medical health insurance, an insurance policy normally describes what medical care or treatments are included, but it does not normally describe all possible treatments, ailments or conditions. The medical 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 erroneous or questionable coding of your ailment, illness or treatment, you could lose your coverage or get it restricted.

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

The need to remove drywall, tile, natural rocks, or to test heating or air conditioning equipment could be due to a non-covered cause or because of covered cause. Has your provider disregarded the covered cause and just flat-out denied your claim? You might need experienced coverage attorneys to review your policy to work through the morass of coverages, exclusions and definitions which have to be pieced together to honestly determine whether your loss is protected.

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

Short Rate fees in Michigan

A “short rate” is the insurance premium fee an insurer bills you if you end your policy before it expires. While many insurance agencies return to their insureds the pro-rated unused percentage of the premium, a small group of insurance firms charge their coverage holders a penalty for ending their policy before its termination. Those company’s reimburse the short rate unused part of the insured’s premium. Farmers’ failed to notify the insured that contacted Eppsteiner & Fiorica during the time it sold the policy, when it sent renewal notices, when the insured ended his coverage, nor even then they sent him his plan refund that they were just paying him a “short rate” reimbursement. Isn’t this conduct deceptive, 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 consumer who states they were not told they would only be paid a “short rate” refund when he ended his policy. Please continue for more details pertaining to this investigation.

At Eppsteiner & Fiorica, our experience is that insurers typically do not interpret plans fairly or to favor you. Sometimes you can determine arguments with your insurance company. However, too often you will require an attorney with expertise 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 policy and get your lawsuit paid. When you are unable to obtain a good coverage solution worked-out on your own and need legal assistance and an attorney:

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