My Sister is getting the run around, Her son had a Insurance policy when he died, in Oct 06. She is being told it was just accidental insurance, But will are pretty sure it was Term. and they are just trying not to pay out, and not telling her the truth. He was paying to much for it to be accidental. I checked by calling the company and asking for insurance for my own Son with the same age. They said they don't advise accidental Insurance, at that age, Term would be better. What should I do to help her?
2007-07-26 14:53:24 · 6 answers · asked by Susieq 2 in Business & Finance ➔ Insurance
I should add that I am trying to get a copy of the insurance, first they did not or said that they could not find his name then when they did find it 30 seconds later she said he would not have signed it that it was done over the phone, But he had to sign it because it was taken from him bank account, and my Sister remembers him sending back the policy. I think they are trying to say it was accidental insurance not term because then they would not have to pay due to how he died.. they would be off the hook this is not what he would want.. this is the Second Son my Sister lost She is going through enough.. Maybe they know people like her cant fight back.
2007-07-26 15:20:46 · update #1
All you need is a copy of the policy. It will tell you exactly what is covered. Companies don't commit fraud like you believe. They have way too much to risk beyond payment of one simply policy.
2007-07-26 16:22:47 · answer #1 · answered by Phil 5 · 0⤊ 0⤋
Is she the executor of his estate? She will need to either 1. get a copy of a cancelled check to the company or 2. locate a copy of hte policy, and write to the state insurance commissioner.
She can ALSO request a copy of the declination in writing from the insurance company - and she should, so she can mail THAT in to the insurance company.
I seriously doubt they're lying about term vs. accidental death, but you never know. Dragging in the insurance commissioner will make the insurance company produce the documents for THEM, and answer the questions.
and, keep in mind, just because it's "accidental death" does NOT mean it's "cheaper than term".
2007-07-27 09:01:46 · answer #2 · answered by Anonymous 7 · 1⤊ 0⤋
You did not mention having possession of the policy.
That would clear up things.
Request a copy from the Ins. Co.
Insurance companies do not ordinarily falsify things. They would have to answer to the State Board of Insurance. That would not be a very happy scenario for them.
2007-07-26 22:00:06 · answer #3 · answered by ed 7 · 1⤊ 0⤋
I remember a case we read in law school where an insurance company stiffed a claimant for a relatively small amount, maybe $30,000 or so, and the claimant got so exasparated they hired an attorney and sued for...I think it was Intentional Infliction of Emotional Distress...and won...and won BIG, maybe a million bucks. Not that I am saying your sister should sue, but she should talk to a lawyer, fairly soon.
2007-07-26 21:59:46 · answer #4 · answered by jxt299 7 · 0⤊ 2⤋
ask for a copy of the insurance that he filed for. if they wont give it to you then get a lawyer
2007-07-26 21:56:22 · answer #5 · answered by stephanie w 2 · 0⤊ 0⤋
I really doubt that this company is trying to defraud you.
Get a copy. If you can't get a copy contact your states "insurance division"........................................
2007-07-26 23:47:36 · answer #6 · answered by Common Sense 7 · 1⤊ 0⤋