Texas Insurance Coverage Attorneys

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Texas 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 policies, salespersons describe their carrier’s policies in many ways. Insurance companies use advertisements, “summaries,” lists, pamphlets, and additional documents they directly, or through their agents, offer you to describe the lawsuits they will pay or protection their policies provide.

Sometimes the advertisements, summaries, lists or leaflets describe things that they will pay for, when in fact the policy that you are mailed, typically months after you purchase it, does not cover or pay for issues discussed in the summaries, lists and advertisements.

Given that insurance is almost never sold by providing you the policy, before you buy it, have an agent or salesperson explain what you actually bought, insurance plans usually have unpleasant surprises depending on protection that is different from what you were guaranteed or told you were buying.

2. Does your policy contain illegal provisions?

In addition to providing customers policies that are different from what they were instructed they were purchasing, insurance companies sometimes write their insurance plans in violation of state laws. States restrict certain exclusions and policy restrictions, yet when an insurance carrier sells policies in many states there have been circumstances where their multi-state policy violates the laws of a few 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, an insurance policy generally describes what medical care or treatments are covered, but it does not usually describe all possible treatments, ailments or conditions. The healthcare 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 pay for treatment. Through erroneous or doubtful coding of your respective ailment, illness or treatment, you can lose your coverage or get it constrained.

4. Property Insurance: If there are covered and non-covered factors to remove or replace section 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 possibly be because of a non-covered cause or because of covered cause. Has your provider overlooked the covered cause and simply flat-out rejected your lawsuit? You may need experienced coverage attorneys to analyze 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 be given a “short rate” reimbursement (in truth a penalty) should you cancelled the insurance policy prior to the end of the insurance plan term?; were you made aware of your insurance company’s “short rate” refund policy when you bought your policy?; were you made aware of the your insurance company’s “short rate” refund policy when you called to cancel your policy?

Texas Short Rate Fees

A “short rate” is the insurance premium price an insurance company charges you if you stop your policy before it ends. While many insurance companies go back to their insureds the pro-rated unused percentage of the premium, a small group of insurance firms charge their policy holders a fee for terminating his or her policy before its conclusion. Those company’s reimburse only the short rate unused percentage 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 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 fraudulent, misleading and dependent on withholding material information? Eppsteiner & Fiorica is presently investigating the practices of Farmers Insurance, who has been brought to our attention by a client who claims they were not told they would only be paid a “short rate” refund when he ended his policy. Please continue for more details regarding this investigation.

At Eppsteiner & Fiorica, our experience is that insurance companies frequently do not translate policies fairly or to favor you. Sometimes you can figure out arguments with your insurer. Even so, too frequently you will need a lawyer with expertise 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. When you can’t get a good coverage solution worked-out on your own and need legal advice and a lawyer:

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