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New York Insurance Coverage Attorneys


Insurance Coverage across New York

  1. Do you know what insurance protection you purchased? Is its coverage different from the insurance coverage policy you were told you were buying?
  2. When they are selling an insurance plan, an agent may illustrate the policies being sold in many different ways. The firm may make use of advertisements, leaflets, lists, summaries and other types of written documents, produced by the carrier or by means of one of their authorized agents that describe the coverage offered or the clams the policy will cover.

    Sometimes, these documents, whether they are print advertisements, leaflets, lists or summaries claim the policy will cover certain claims, that the actual policy, normally received months after one makes the investment, will not pay for or cover.

    Since insurance coverage is normally not sold before providing a copy of the policy before it is bought, many have surprises that are upsetting and not in line with what the sales representative or agent described that you were buying or promised that you were purchasing.

  3. Does the Policy Contain Illegal Provisions?
  4. In addition to selling policies that are far different from what the client was informed he or she was buying, occasionally, insurance carriers write their plans in such a way that they violate the state laws. State statutes may prohibit certain coverage restrictions or specific exclusions; however, when carriers sell plans in more than one state, there have been instances where the multi-state policy violates the statutes of one or more of the states where the policy is sold.

  5. Has your health insurance carrier mis-categorized the treatment your doctor says you need and eliminated the needed protection?
  6. Medical health coverage policies generally describe the treatments or medical care that is covered but normally are unable to describe every possible treatment, condition or ailment. The health care industry uses a coding system to describe treatments for patients. These codes are linked to whether the insurer will pay for the treatment, how much they will pay and for how long the treatment is covered. Questionable or erroneous coding of one’s condition, treatment or illness can cause you to lose coverage for the condition or to face constraints.

  7. Property Insurance: If losses are covered, and the insurer has the option to remove or replace part of a home or building. Did the company make the wrong choice?
  8. The need for removal of tile, drywall or natural rocks or to test one’s HVAC equipment may be due to a non-covered clause or to a covered clause. Carriers may overlook the covered clause and deny a claim. Often it takes the help of knowledgeable lawyers in this field to examine the written policy and work through the legalese of coverage, definitions and exclusion to piece together whether a particular loss is covered.

  9. Were you told when purchasing insurance coverage that you would qualify for a short rate refund (actually a penalty) if you terminate the coverage before the plan’s contract came to an end. Were you made aware of the short rate refund policy when purchasing the insurance coverage? Were you made aware of the short rate refund policy upon calling to terminate the policy?

Short Rate Premium Fees for New York

The short rate is the premium rate the insurer bills the customer who ends a policy before it reaches its expiration. While many firms give back the pro-rated and unused portion of the premium, a small group of carriers actually charges the policyholder a fine for cancelling the policy before it expires. Such companies only refund the short rate unused portion of the premium. For example, Farmers did not notify the individual who contacted the attorneys Eppsteiner Law, APC when the policy was sold, when renewal notices were sent, when the consumer chose to end his plan or even when they sent the reimbursement check that he was being paid a short rate. This practice can be seen as misleading, deceptive and dependant upon withholding material information. Currently the attorneys are looking into Farmers Insurance procedures after a client who was not informed the refund would be paid at the short rate if the policy was cancelled has brought the case to their attention. Continue reading to learn more information in regards to the investigation.

Eppsteiner Law, APC has found that many insurance companies do not translate their policy fairly or to favor the consumer. Sometimes it is possible to understand the arguments with the insurance provider. However, all too frequently, it is necessary to hire an attorney who has experience and knowledge in insurance coverage to sort through the tangled provisions, definitions and exclusions in order to understand the policy and ensure the claim or lawsuit is paid in full. They offer help to ensure the best solution is reached for each client:



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