by shiggs » Tue Dec 27, 2011 09:10 pm
My husband was "excluded" from my insurance policy without my consent and he had an accident and totaled our vehicle. The insurance company is claiming that I requested to exclude him. They do not have any documentation to support their statement yet they are stating that the accident wont be covered.
What should I do?
The insurance company also denied medical coverage for my husband and he has doctors bills which were related to the accident.
I also spoke with individuals (other than my claims agent) from the company and they stated that my "exclusion" was in limbo because they were waiting for my signature in order to exclude him but that was a service that I never requested.
I have very little knowledge about insurance companies and I appreciate any help that you could give.
I just need to know what steps I have to take to get the problem rectified.
Thank you.
What should I do?
The insurance company also denied medical coverage for my husband and he has doctors bills which were related to the accident.
I also spoke with individuals (other than my claims agent) from the company and they stated that my "exclusion" was in limbo because they were waiting for my signature in order to exclude him but that was a service that I never requested.
I have very little knowledge about insurance companies and I appreciate any help that you could give.
I just need to know what steps I have to take to get the problem rectified.
Thank you.
Posted: Wed Dec 28, 2011 06:04 am Post Subject:
In addition to you "asking" for him to be excluded, they would have needed to send you notification of this. Can they produce that document? Also ask them for "Proof of Mailing" on that document.
How long was he excluded and do they state they excluded him _only_ because you requested him excluded?
Posted: Wed Dec 28, 2011 10:26 am Post Subject:
Also ask them for "Proof of Mailing" on that document.
Generally this is not of much value. The insurance company's only responsibility is to put the document in an envelope, address it to the "address of record", put the postage on the envelope and put it in the mailbox. The rest is up the the USPS.
But, as tcope has said, there should be documentation in the file, properly dated and noted. Why would you or they want to exclude your husband? Does he have a bad driving record or a history of claims? It doesn't make a lot of sense.
You can always bring your state's Dept of Insurance into the matter by filing a complaint.
Posted: Wed Dec 28, 2011 10:31 am Post Subject:
I'm pretty sure the insurance company still needs to maintain a Proof of Mailing. In itself it's about useless... but in asking it shows them you know what you are talking about and might get them to actually confirm on their end if notice was even ever mailed. A Proof of Mailing is simply a sheet printed out by the insurance company showing that a document was mailed on such a date and where it was addressed to.
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