Other Insurance Claim Types
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A friend recently called me to ask why his life insurance company adjuster asked him to return any original hard copy of the life insurance policy on his wife, who had recently died from brain cancer.
I guess I should not have been surprised considering my comments on the Insurance Policy Forms and Endorsements page of this website, which discusses why insurance companies don’t want policy holders to have their policy to read when a large claim is made.
My friend went on to tell me that when he told the insurance adjuster that he would not return his “original” copy, but that he would make a copy to send in, the adjuster told him not to bother if he would not give back the “original” copy!
Shortly afterwards, an attorney, who defends life insurance companies, advised me that this was just the beginning of a long drawn out process, in which the insurer would attempt to avoid the claim. While the insurer certainly has a right to investigate the claim for things such as pre existing conditions not disclosed, it is sad that such tactics as were used on my friend are probably just the tip of the iceberg.
Please share your stories and questions on this and other insurance claims types with us here.