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Recent Insurable Interest questions
Believe it or not, I have been making monthly insurance
Believe it or not, I have been making monthly insurance premiums on a car that I sold to a friend 8 years ago! I have contacted my agent and explained it to her. She has requested a copy of the declaration page for insurance that my friend got when he bought the car because there was not a bill of sale. My friend is sending the declaration page. My agent said she would fight for me to get back as much as I can but she didn't know if there was a limit as to how far they can go back. Do you know? I live in Arizona and the insurance company is Farmers. I just want to be informed so I know if I'm being treated fairly.Thank you!
I run a yoga studio and have general liability and
Hello,I run a yoga studio and have general liability and professional liability insurance. My landlord keeps rejecting the insurance stating:Property Insurance certificate is missing. Your current policy does not provide property coverage. A minimum $5,000 coverage including tenants betterments and improvements, sprinkler leakage, glass coverage, equipment breakdown is required.However, all insurance agents tell me that this is landlord's (owner's) responsibility and they do not offer it to leasers that do not own the property. He is threatening to charge me $25/day that I don't have it.What options do I have.
I live in Illinois. On June 2, 2014, I bought a six months
I live in Illinois. On June 2, 2014, I bought a six months short term health insurance to Health Insurance Innovations, HII, form Tampa, FL. On 6/7/14, I had to got o the ER because I got sick with diarrhea after I eat a piece of chicken. I was discharged home. On 6/16/14, I went to see my physician because I was feeling weak and my right knee was swollen. He said that I had reactive arthritis and gave me Voltaren gel to apply in my knee. On 6/19/14, I went to the ER with horrible pain and I was hospitalized for 2 days and discharged home. A week after, I got sick again and my physician sent me with the rheumatologist and to the gastroenterologist who ordered a colonoscopy. I received prednisone and naproxen and I recovered after about 7 weeks. I was out of work for this time also. The above insurance, HII, told me that they only receive the money for the premiums, that Allied National from Kansas is the one that processes the claims, that Companion Life Insurance from South Carolina is the underwritten company and that our health insurance contract is ruled by the laws of the state of Missouri.Allied National requested from me the name of my doctors and to sign a consent release to get all my records from my hospital. I provided this information to Allied several times and I requested from the hospital a confirmation that my records were sent to Allied. Allied also asked me to sign a Walgreens form to release my medication information as of 6/1/14. I sent it to them but they sent me a new Walgreens form to request information from the previous 2 years and I refused to sign it because I realized they were looking for a way to avoid paying for the hospital bills. I stated to Allied that in my Medical records from the hospital and in my physician notes it is stated which medications I was taking before I got sick. After it, they sent me a form to sign that I was in accident. I answered to them that I have not been in any type of accident and that my medical records can verify it. In October, 2014, an Allied representative sent an email stating that I have a preexisting condition, that I was in an accident and that the insurance did not cover preexisting conditions.I demanded from Allied to provide me with the name of this preexisting condition, the name of the physician who diagnosed it, the USA law that states that I am obligated to sign their Walgreens form and the information from the accident that they claim I was involved with. They did not answer.I called my bank to stop the payments of the premiums to HII because I realized they were running a scam specially after I read the reports from the Ripoff Report and that the Better Business Bureau of Tampa did not recommend them. I notified HII that I had cancelled their insurance. In spite of it, they withdraw money from my account under a different name so I filed a compliant with my bank and HII had to return my money.I filed a complaint with the Insurance Departments of Florida, Illinois, South Carolina and Missouri. Florida and South Carolina did not take the case. Illinois followed my complaint and sent a letter to Companion Life Insurance (CLI). In December of 2014, Illinois forwarded to me the answer from CLI and stated to me that my case had been sent to Missouri. I sent my respond to the state of Missouri on January 1,2015 and until today, March 16,2015, I have not heard anything from them. I called the guy that was assigned to my case and he told me to read the laws of Missouri.Allied sent me a letter in the last week of January, 2015, stating that they are not paying any bill because I did not sign the form claiming that I was in an accident and their Walgreens' form. Allied also sent me a bunch of letters with a fee adjustment to the initial claims from the hospital but they did not send this fee adjustment notification to the hospital.In January 2015, My physician wrote me a letter where he states that my diagnosis was reactive arthritis, that this condition is in no way preexisting and that I have not been in any type of accident. I forwarded this letter to the Insurance Department of the State of Missouri but they did not answer.My questions to you are if there is something I can do to obligate this insurance to pay for my bills; If I can get back the money I paid to them since they collected it but did not pay for any of my bills; if you know of somebody that investigates this type of scams. Before this insurance, I had Blue Cross Blue Shields. BCBS covered me until 6/7/14 and they paid for my visit to the ER.Thank you for your answer.
Insurance company troubles, incorrect billing and no insurable
Insurance company troubles, incorrect billing and no insurable interest.Background:Father passed in FEB. Step mom (SM) passed in 2011. SM had title to house. After her passing it was discovered that two children arranged a living trust. House was held by trust allowing him use. He started paying the home owners insurance after her passing. After his passing the house was sold by the trust. All proceeds went to her children.Travelers insurance collected 2+ years of payments I want back. If the house was damaged they would have paid the trust, or not at all as dad had no insurable interest. Also after his passing they reassigned his debt and bill to me for some reason. I also have no insurable interest in the property.Questions:How can I get contact info for the legal department of travelers insurance?How can I help travelers to choose to bill the trust who had the insurable interest?Can I recoup the payments dad made?
A foundation whose mission statement is to help support Christian
A foundation whose mission statement is to help support Christian Churches financially across the nation would like to provide individual term life insurance to the congregational members of these various churches that it helps support.Does the foundation have insurable interest to hold the policies of the individuals it insures?Beneficiaries of the policy would be threefold; the individual's chosen family member, the church to which the individual attends, and the aforementioned foundation.
My fiancé passed away recently. We had a life insurance policyView more legal questions
My fiancé passed away recently. We had a life insurance policy sense 2007 in 2010 she filed a change of beneficiary form to add some family members. The insurance company sent them back stating they could not process her request until it was corrected. They sent two other letters over a three month period. Over four years she never responded now the insurance company is saying they have to consider she filed these papers even though the request was never processed. I'm arguing that sense she never returned the corrected forms and they could not process the request then the policy reverts back to its original form. is that correct and if so is there some case law to support my argument
Attorney At Law
Doctor of Law w/ highest honors