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New Jersey Insurance Coverage Attorneys

Insurance Coverage in New Jersey

  1. Do you know your Insurance Plan?
  2. Is it different from what the insurance agents told you that you were buying? Insurance plans’ salespersons present their policies in an array of ways. These methods include leaflets, ‘summaries’, commercials, lists and other forms of written adverts. Through their sales agents or adverts, the firms want to explain the variety of policies they extend to clients. Often, the adverts carry information such as claims that the insurance firms can compensate a certain amounts. Interestingly, once you have bought the policy, sometimes the firm may not pay for what it promised to pay in the adverts. Bearing in mind the importance of an insurance policy, it helps that prior to investing in any insurance plan; you learn from the sales representatives and agents about the exact policy and its coverage components in case a claim occurs.

  3. Does your policy have illegal provisions?
  4. Besides treating insurance policy buyers to coverage surprises where the insured does not get what he or she was told he or she was buying, all too often insurance firms violate the applicable legal confinements in the process of writing their policies. A good example is when an insurance firm offers its services to clients outside the geographical regions it is authorized to operate within. The scenario is common where insurance companies sell policies in various states.

  5. Has your health insurer wrongly classified your treatment and therefore eliminated your protection?
  6. Under medical health insurance covers, policies specify the healthcare services to be covered on the insured. However, the policies do not explain all probable health conditions that could be treated under the cover. The healthcare sector depends on an accepted coding system which gives information such as whether or not a patient is to be covered and what medical care services or treatments are going to be paid for by the insurance cover. This constitutes lack of insurance protection; you can lose your coverage due to incorrect coding of your medical condition, disease or treatment.

  7. Property Insurance: Covered and non-covered motives
  8. Sometimes, your insurance carrier may overlook the covered causes of a medical condition and deny coverage on that basis. This may lead to removal of natural rocks, drywall, tiles and examination of air conditioning and heating equipment to establish covered and uncovered causes. Expert insurance coverage lawyers can be invaluable in helping you understand why your carriers may or may not cover your loss. This helps you to know if you are covered.

  9. Did your Insurer Inform you about “short rate” (or a penalty) when signing up for insurance coverage, that the ‘short rate’ would be billed on you up on termination of the policy before it expires? Did the Insurer inform you about their ‘short rate’ refund policy?

New Jersey Protection against Short Rate Premium Fees

A “short rate” is the insurance premium rates a policy carrier charges you if you terminate your coverage before it reaches its expiry date. Most insurers return to their insured’s pro-rated unused part of the premium. Some insurers bill their policyholders a fine in case they terminate their plans prior to the expiry date. Those companies that bill their insured for terminating their policies prior to expiry refund the ‘short rate’ unused part of the insured’s premium.

Farmers’ did not inform their insured that contacted Eppsteiner Law, APC at the time it sold the insurance policy. It also did not notify the insured when the insured ended his plan and when they sent the renewal notices. The only thing they did was to send him his plan reimbursement informing him that they were just paying him a “short rate” reimbursement. As it is, this is not only misleading, but also dependent on withholding crucial material information. Eppsteiner Law, APC is presently investigating the operations of Farmers Insurance. A client complained to us that he was not notified that they would only get a “short rate” refund when he cancelled his policy.

Our experience at Eppsteiner Law, APC shows that more often than not, insurance policy carriers translate coverage policies incorrectly so that the policies do not favor you. Although you can talk over the coverage morass with your carrier, more often than not you will significantly benefit from the services of a qualified attorney who is knowledgeable and quite experienced in insurance policy matters. The insurance protection attorneys can help you to deal with the issues of provisions, exclusions and definitions and, more importantly, constitute a good insurance plan so that your claim can be justly paid in case a loss occurs and you file a lawsuit. This underscores the need for legal advice and a qualified insurance protection lawyer:

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