What can you do to protect yourself against insurance company tactics?

Read your policy carefully.

You should know exactly what is covered and how to appeal a denial by your insurance company.

Be very careful about filling out forms.

Even if you make an honest mistake your insurance company may seize on that as a reason to retroactively deny your coverage.

Do not cash a premium refund check.

If your insurance company rescinds your insurance they may send you a refund for the premiums you paid. Cashing it may be interpreted as accepting their decision.

Put everything in writing.

Calling your insurance company is likely to be a frustrating experience and you will not be able to prove anything that a company representative tells your over the phone. Keep records of all bills and correspondence.

Contact your state insurance department. 

They may be able to help you, but they will not represent you in a private matter. If all else fails you may need to consult with an attorney.

And most of all, do not give up.

Insurance companies count on you giving up. Fight for your rights.

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Learn about how the Derrick Law Firm handles Bad Faith Insurance Claims >>