Ohio Insurance Coverage Attorneys

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Ohio Insurance Coverage

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

When selling insurance coverage, salespersons describe their carrier’s insurance policies in several ways. Insurance companies use advertisements, “summaries,” lists, leaflets, and various other writings they directly, or by means of their agents, provide you to describe the claims they will pay or protection their policies provide.

Sometimes the ads, summaries, lists or brochures describe issues that they will pay for, when in fact the insurance policy that you are mailed, normally months after you invest in it, does not cover or cover issues described in the summaries, lists and advertisements.

Provided that insurance policies are hardly ever sold by providing you the policy, before buying it, have an agent or sales person explain what you actually bought, insurance policies usually have upsetting surprises based on coverage that is totally different from what you were guaranteed or told you were getting.

2. Does your policy contain illegal provisions?

Along with giving clients policies that are different from what they were told they were getting, insurance companies sometimes write their insurance plans in violation of state laws. States prohibit particular exclusions and coverage restrictions, however when an insurance company sells policies in many states there have been circumstances where their multi-state policy violates the laws of some of the states in which it is sold.

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

When it comes to medical insurance, a policy typically describes what medical care or treatments are included, but it does not generally describe all possible treatments, ailments or conditions. The medical industry uses 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 questionable coding of your condition, illness or treatment, you can lose your coverage or have it restricted.

4. Property Insurance: If there are covered and non-covered motives to remove 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 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 lawsuit? You may need knowledgeable coverage lawyers to examine your policy to work through the morass of coverages, exclusions and definitions that have to be pieced together to truthfully determine whether your loss is covered.

5. Were you made aware when signing up for insurance that you would receive a “short rate” reimbursement (in truth a penalty) in the event you terminated the policy prior to 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 end your policy?

Short Rate Fee Protection in Ohio

A “short rate” is the insurance premium price an insurer bills you when you end your policy before it expires. While most insurance firms 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 terminating his or her plan before its expiration. Those company’s refund only the short rate unused portion of the insured’s premium. Farmers’ did not inform the insured that contacted Eppsteiner & Fiorica at the time it sold the policy, when it sent renewal notices, when the insured cancelled his coverage, nor even then they sent him his coverage reimbursement that they were merely paying him a “short rate” refund. Isn’t this conduct deceptive, misleading and based on withholding material information? Eppsteiner & Fiorica is currently looking into the methods of Farmers Insurance, who has been brought to our attention by a client who states they were not told they would only be paid a “short rate” refund when he cancelled his coverage. Please continue for more details relating to this investigation.

At Eppsteiner & Fiorica, our experience is that insurers generally do not translate insurance policies fairly or to favor you. Occasionally you can determine arguments with your insurance company. However, all too often you will need 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 coverage and get your claim paid. If you are not able to get a good coverage solution worked-out on your own and need legal assistance and a lawyer:

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