companies?
Sure you can! But you don’t get double paid. Each policy will describe how they would SHARE the paying of a claim, if more than one policy applies.
Even though the insurance companies deny claims. Out of all health care providers the GOVERNMENT denys the most.
See for yourself.
From the AMA’s (American Medical Association) website. Scroll down to denied claims. MEDICARE is number 1.
http://www.ama-assn.org/ama1/pub/upload/mm/368/reportcard.pdf
With this track record why do people want the government to deny even more claims? Once we are stuck with it, it will be hard to get rid of….
A look inside the numbers shows it’s not at all what you represent. These are claim lines, one item on a bill, and that doesn’t mean they won’t be paid. This report, after all, is about accuracy, and Medicare rates #1 in the accuracy category and in paying the full contracted amount. Sometimes the hospital makes an error that causes a claim line to be denied. The top CARC code for Medicare, in fact, is just that: "16. Claim/service lacks information which is needed for adjudication. At least one Remark Code must be provided." Those will be paid as soon as the required info is provided. One CARC code you will never see on Medicare claims is "27 – Expenses incurred after coverage terminated." That’s a big hitter with some of the private companies…
We see daily excuses and outright refusal in the Golf States.
Are we not seeing insurance companies claiming that the damages were from water vs the 110 mile per hour winds?
There is definitely a problem with it. There was a lot of misrepresentation surrounding the coverages, either intentional or through negligence.
A lot of homeowners are suing their Insurance carriers due to this, including Senator Trent Lott (so you know it’s not just uninformed people). It will be interested to see what the courts say, since part of your obligation as an insured is to be familiar with the laws and your own policy coverages.
There were claims pending for years from 9/11 as to whether it was an "act of war" which most insurance companies deny coverage on. I think all companies except for a few small ones ended up paying those claims.
My former homeowner’s insurer was Allstate. They denied a claim for water damage I made several years ago. Recently I learned that the water damage resulted from poor plumbing work (misfitting parts)which may show up in the old claim photos. I haven’t yet repaired the damage but I need the photos to show that the fittings were there then and not changed in the interim.
I’m not sure why some of the other answers are bringing up the CLUE reports if all you want is copies of the photos. The CLUE report will have nothing to do with your request fo rcopies of the photos.
It is true that the photos are the "work product" of the insurance company and most of the time they aren’t released without a subpeona.
However, I have had requests like yours before and have provided copies of file information if I get a written request outlining why they are needed.
Contrary to what at least answer stated insurance companies do not keep all claim files indefinitely. In most states the company is required to keep the file for 1 year past the Statute of Limitations (SOL) date. For most states you can assume between 3 to 7 years. After that the files can be destroyed (unless the involve minor children).
Call the Allstate Claims office that handled your claim and get the name and address or email of the claim manager. Send them a letter or email explaining why you need copies of the photos. If you request them via mail send a SASE with the request.
This isn’t part of your question, but if you have the plumbing problem fixed do not throw away the misfitting parts. If you don’t have the parts it can severely hamper your claim. You will also need to have an expert provide a written report indicating what the problem was. Odds are it going to be a "installation" problem, but you will need to document that in order to have a chance to make a claim against whoever installed the misfitting part.
Good Luck
How can an insurance company deny a life insurance claim after a person has put good faith in that company by paying their premiums? Isn’t that illegal?
When an insurer sells you a policy you have to make certain truthful statements on your application (like you don’t smoke). They base their actuarial assumptions and quote your premiums based on that statement.
But if you lied on the policy then there never was a valid contract for the insurance in place.
You don’t put any ‘good faith’ into the company by paying premiums, in fact you’ve acted in ‘bad faith’ if you try to collect a claim based on a falsehood stated earlier in the policy period.
They have every right to deny the claim. And, every other policyholder of that company should be thankful because it means they would have had to pay more premiums to cover claims made under false pretenses.
How do you reduce the amount they ask from you. I got into a collision with a 1996 acura legend- hit the back left bumper and they’re asking for 3300!! i dont even think the car is worth that much. i was splitting lanes (legal in ca) on my motorcycle when this guy came into my way and i barely nicked him with my frame slider. i had NO DAMAGES on my bike (so that hsould tell you how bad it was…) i was in an emergency (hence splitting lanes in the first place) then he follwed me to an exit where i asked him for his information and he seemed to get threatening so i didn’t give him my information and i rode off as i felt in danger and was in an emergency. i dont think this should be considered hit and run as i felt i was in danger. i am willing to pay (haven’t admitted fault as i believe i wasn’t at fault) but im only willing to pay a thousand maximum. what ways can i get the insurance cmopany to lower my payments??
thanks!
to clarify, i did not have insurance the day of the accident- it became active 5 days after so i dont believe my insurance agent can be of any help.
the emergency wasnt life threatening (i was visiting someone at their home who had fallen sick and they needed help.)
Boy, the guy above sure does have a stick hidden somewhere, eh?
Anyway, no, you really don’t have any bargaining chips here. If you felt like you were in danger, you should have told that to the police.. people run from accidents all the time and have a plethora of excuses for it, so please don’t expect them to believe yours just because you’re the one saying it. Just about everyone that runs from an accident goes because they were uninsured and lookie there, so were you. You really don’t have the right cards at hand right now, you know?
As for the damages, yes. You have the right to barter here. They can’t just go to the most expensive shop and make you pay that.. you can tell them to bring it to your shop of choice! Make sure it’s someone you trust so you can write the check directly to that repair place.
And no, your insurance isn’t going to pay for something you did before you even got them.
Is it worth joining a health insurance scheme for dental work and is there a company that will allow dental coverage only without paying for hospital or medical benefits?
According to my receptionist who handles the HICAPS, the best dental plans are R & T (transport union), or Teachers’ Federation. For either of these you need to have a family member who is in that industry.
Next best is NRMA for anyone to join.
Worst at present is NIB.
Whether it’s worth joining is a tricky question – it depends on what your current needs are, and what might happen in the future.
If you have good teeth with no holes, then you would only need cover for perhaps braces and wisdom teeth. Might be better just saving up the money after you consider the amount you would have to pay in (12 months qualifying period), and the amount of rebate you would get back. Or take out a loan if either of these treatments are necessary.
If you’ve had lots of cavities, then you’ll probably benefit from cover because you’ll always have something that needs maintenance/repair. Similarly if you’re a parent with kids and they might need treatment.
The health funds only bundle dental with hospital because they make most of their profits from the hospital cover. The dental/chiropractic/sports/ … cover is an add-on.
Consider going to a dentist for a check-up and standard diagnostic Xrays (bitewings) plus an OPG Xray for wisdom teeth before you make a decision. Ask him/her their opinion.
However I hav a letter from them that shows that I was covered. They claim that I did not pay my payment and they canceled my insurance. I never received a letter from them saying it was canceled. Also, I payed my insurance with a money order, and have no proof that I paid them since I sent it in the mail.
It is not just a letter it is my policy statement from them showing the start and end date of my coverage.
How exactly does a letter show that you are covered at the time of the loss? I don’t think you are interpreting that "letter" correctly.
You don’t HAVE to receive a letter saying your policy is cancelled. All they have to do, is ATTEMPT to notify you. Easily 25% of the people who’s policies get cancelled for nonpayment, in my experience, claim that they didn’t receive a bill, or a cancellation notice. Some of them moved and left no forwarding address. That’s why, the insurance company only has to ATTEMPT to notify you. Otherwise, people would get free insurance, by throwing away the letters, unopened!
Your only recourse is to file a complaint with your state insurance commissioner – but most likely, if your money order was lost in the mail, or not received by the cancellation date, you really are cancelled. Companies don’t have to honor a postmark date. And they don’t have to reinstate you, if your policy has gone into cancellation status.
I was in a car accident in which I went through an intersection with a green light and was t-boned by another car. She of course is saying she had the green but the police report states her as at fault. My insurance has decided I am not at fault, but her’s says I am. What happens now?
The police report is just a tool – it is not the end all be all in an insurance investigation. Your company is believing your word and her company believes her.
So – if you have collision coverage you use that to pay for your vehicle.
If the two insurance companies are members of Arbitration Forums – they will file Arb and the panel will make a decision that is binding on both companies.
Your best bet is to follow up with your adjuster and ask them what happens now. Since your adjuster is familiar with your policy – coverages and the facts of loss – they are better able to advise you of the next step.
Hey just visit general insurance companies , they will give you list of the claims made.