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11/18/2008
Tuesday morning
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| First of all, there may be a law in your state regarding this, but most
likely the reason is that this is the insurance companys policy.
Insurance companies have to file their rules and rates with the state
department of insurance. When they go back on one of their rules, and
dont have justification to, it looks really bad when the state audits
them. So, when asked, they just say its the law. |
| Marcel Popescu wrote: Why should the healthy
people pay the insurance of the sick ones? Do you think that a
stunt man and a housewife should pay the same insurance rates? |
| They should, however, be able to accept a copy of the declaration page
(the first page, the one with all the coverages on it) from that policy
period as proof. This would be even more reasonable than a letter. If
you or your employer dont still have it, your former insurance company
or agent should provide it with no problem. In fact, a customer service
operator at your former insurer should even be able to fax it to you
straight from their computer terminal. If you call and ask nicely for a
copy of your dec page from that policy period. I am sure it is law in
every state that they provide this. I cant imagine that it wouldnt be. |
| My recommendation for the insurance industry is that all the
numbers and policies about treatment should be public, so that
potential customers have the information to be informed. |
| Last july I was involved in an accident where I was hit from behind.
The person who hit me was uninsured, and completely at fault. Well, I
had to pay the 200$ deductible to have my jeep fixed, and it was fixed
very well. My insurace carrier at the time was Allstate, and I had no
problems till last September. The main reason I had d Allstate so
much was that before last june, I had a job which didnt pay too
much, and I was strapped for cash occasionally, so I was a week or so
late on a payment every once in a while; I was always in contact with
my agents, and they were always willing to help me out. I always got
my premiums paid, just sometimes late. Well, I was a few days late on
my payment in August, and in september, I was notified that I owed a
certian amount of money that seemed to be 2 months of premiums. I
called and paid the amount, and was then informed that my policy was
terminated. That was the beggining of a long drawn out insurance
battle that is still haunting me. |
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