We all need life insurance to cover us for an unexpected death experienced in the family. That loss could be the father or the mother who is the only means of income for the family. Without insurance cover the family would find it difficult to survive comfortably in a world of high energy bills, mortgage repayments, increasing food costs and soaring fuel prices. The family would need a steady income capable of paying their regular bills, never mind the luxury of a holiday, new clothes or continuing education for the children.
Here are some general tips which may help you with this process. If you file a claim with an insurance provider and they refuse your claim, you can take the following action. Check your policy to see if the claim falls within the relevant provisions of the policy. Your type of incident may be excluded for example. Make sure the policy is in date.
Some of the strangest insurance policies relate to the weirdest things. Some people insure against being abducted by aliens but one man insured his expensive box of cigars. Among the conditions of the policy was insurance against fire. Once he had smoked the cigars, he put in a claim against the company for the loss of his cigars due to fire. He won the court appeal after the company initially refused to pay up. Not to be beaten, the insurance company waited until the claimant cashed the cheque and then charged the man with multiple counts of arson!
Some hotels cannot obtain liability insurance if they allow British tourists to stay there. This is only if the hotel has more than one floor and has a swimming pool next to the hotel. Sounds unlikely? Apparently, it has become common practice for drunken British tourists to dive from their room balconies straight into the pool. After a spate of claims where the would be diver has missed the pool altogether and made contact with the tiled surrounds instead, the insurance company decided to no longer provide cover for these hotels.
If you are still not satisfied with the response from the authority who investigated your complaint, your only recourse may be to go to court. This may prove expensive and the court may take into consideration the investigation result of the complaints authority anyway. Another complaint as mention is the fact that many are in debt when they try to get policies. The fact is that many Americans are in a lot of debt and having another premium to pay only makes it worse. If this is you, there is help.
Here are some general tips which may help you with this process. If you file a claim with an insurance provider and they refuse your claim, you can take the following action. Check your policy to see if the claim falls within the relevant provisions of the policy. Your type of incident may be excluded for example. Make sure the policy is in date.
Some of the strangest insurance policies relate to the weirdest things. Some people insure against being abducted by aliens but one man insured his expensive box of cigars. Among the conditions of the policy was insurance against fire. Once he had smoked the cigars, he put in a claim against the company for the loss of his cigars due to fire. He won the court appeal after the company initially refused to pay up. Not to be beaten, the insurance company waited until the claimant cashed the cheque and then charged the man with multiple counts of arson!
Some hotels cannot obtain liability insurance if they allow British tourists to stay there. This is only if the hotel has more than one floor and has a swimming pool next to the hotel. Sounds unlikely? Apparently, it has become common practice for drunken British tourists to dive from their room balconies straight into the pool. After a spate of claims where the would be diver has missed the pool altogether and made contact with the tiled surrounds instead, the insurance company decided to no longer provide cover for these hotels.
If you are still not satisfied with the response from the authority who investigated your complaint, your only recourse may be to go to court. This may prove expensive and the court may take into consideration the investigation result of the complaints authority anyway. Another complaint as mention is the fact that many are in debt when they try to get policies. The fact is that many Americans are in a lot of debt and having another premium to pay only makes it worse. If this is you, there is help.
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