I recently contacted my insurance company because my electrics had partly gone in my house and I have cover for Home Emergency. I contacted them at 4pm on the 08/09/06 and truthfully told them that it had happened at 9pm the night before. They said it was no longer classed as an emergency because I had not called immediatly. I argued that I had gone straight to bed and was in work all day on the 08th thats why I hadnt phoned until now. They said they would not help in anyway. I complained to the supervisior and again got nowhere. I then complained through my broker who have sent off the complaint to the relevant department. I am considering taking legal action against the company for breach of contract as it doesnt say anywhere in my policy that I must call immediatly. Please be aware I had called within 24 hours. Have I a case to sue the company for breach of contract? Please state your legal expertise and what I should do next. Thanks
2006-09-08 05:11:23 · 6 answers · asked by studly1_uk 2 in Politics & Government ➔ Law & Ethics
Hello. I am an investigator for attys.
I would first and foremost state that you should contact a lawyer - law is different everywhere, and I am in California.... you appear to be in the UK....
Next, I would state that if you have Home Emergency coverage and no where in that policy it states that you MUST CALL IMMEDIATELY, then you have an excellent case against the company.But be certain that this is not contained in the policy. If it is nowhere to be found, then they should be paying for damages. Make certain to sue them for attty fees and "pain and suffering" as well....damn as*holes. This is why I hate insurance. Youre expected to pay immediately or your policy is cancelled, but they drag their feet and try to get out of paying for a claim every opportunity they get.
2006-09-08 05:21:18 · answer #1 · answered by YDoncha_Blowme 6 · 0⤊ 0⤋
You might have a case. Speak to an attorney used to dealing with insurance companies. He or she will need to review all the documents that make up your contract with the insurance company to be sure they do not require you to call within a specified time frame. If you can show that at no point in time did the insurance company ever state anything about a time limit, you should be able to sue. However, there may be state laws or cases which may state that you do have to make certain claims to an insurer within certain time limits, so these too will need to be checked.
However, please understand that insurance companies like to deny claims. How else do you think they keep the money we pay them? It is a game to them. I know because I used to work for a law firm that worked for insurance companies.
2006-09-08 06:16:20 · answer #2 · answered by J T 3 · 0⤊ 0⤋
It depends on what the insurance contract defines as an emergency, and what the time limits are.
What should should do next is contact a licensed attorney, and have them review the contract and relevant laws to determine if you have a case.
Don't rely on the advice of random anonymous people from the internet.
2006-09-08 05:20:40 · answer #3 · answered by coragryph 7 · 0⤊ 0⤋
WHat do you advise by technique of "numerous years in the past..."? at the same time as became the perfect price he made to you? In what usa/state became the settlement signed? once you answer those questions i'd be in a position to furnish you a valid criminal answer.
2016-11-06 21:55:38 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Contact a lawyer.
2006-09-08 05:13:39 · answer #5 · answered by Anonymous · 0⤊ 0⤋
find some KY and bend over!
2006-09-08 05:16:21 · answer #6 · answered by num1accent01 4 · 0⤊ 0⤋