Pennsylvania Insurance Coverage Attorneys

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Insurance Coverage in Pennsylvania

1. Do you know what insurance plan 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 policies in lots of ways. Insurance firms 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 coverage their policies offer.

Sometimes the advertisements, summaries, lists or leaflets describe things that they will pay for, when in fact the policy you are mailed, normally months after you invest in it, is not going to include or pay for factors described in the summaries, lists and advertisements.

Given that insurance coverage is hardly ever sold by giving you the policy, before you buy it, have an agent or sales rep describe what you actually bought, insurance policies often have upsetting surprises based on coverage that is totally different from what you were promised or told you were purchasing.

2. Does your policy contain illegal provisions?

In addition to providing buyers policies which are varied from what they were informed they were buying, insurance companies occasionally write their insurance plans in violation of state laws. States prohibit specific exclusions and coverage restrictions, however when an insurance firm sells plans in several states there have been scenarios where their multi-state coverage violates the laws of some 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, a policy usually describes what medical care or treatments are covered, but it does not 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 pay for treatment. Through erroneous or questionable coding of your condition, illness or treatment, you can lose your coverage or get it constrained.

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

The need to remove drywall, tile, natural rocks, or to test out heating or air conditioning equipment could possibly be because of a non-covered cause or because of covered cause. Has your carrier overlooked the covered cause and simply flat-out denied your lawsuit? You may require 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 protected.

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

Pennsylvania Short Rate Premium Fees

A “short rate” is the insurance premium rate an insurer bills you when you end your policy before it expires. While many insurance firms go back to their insureds the pro-rated unused part of the premium, a small group of insurers charge their coverage holders a fine for terminating his or her plan before its expiration. Those company’s refund the short rate unused part of the insured’s premium. Farmers’ did not notify the insured that contacted Eppsteiner & Fiorica at the time it sold the policy, when it sent renewal notices, when the insured ended his plan, nor even then they sent him his plan reimbursement 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 currently looking into the procedures of Farmers Insurance, who has been brought to our attention by a client who states they were not informed they would only be paid a “short rate” refund when he cancelled his policy. Please continue for more information relating to this investigation.

At Eppsteiner & Fiorica, our experience is that insurance companies often do not translate policies fairly or to favor you. Sometimes you can figure out arguments with your insurance company. Even so, too frequently you will require an attorney 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 policy and get your lawsuit paid. When you are not able to obtain a good coverage solution worked-out on your own and need legal advice and an attorney:

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