do you feel your insurance company is being fair and honest

Do you feel your insurance company being fair and honest?

Face it: most policyholders have either not read, or their eyes glaze over when reading an insurance policy. Most insurance laws reflect this fact and require the carrier (the insurance company) to act in the “utmost good faith” at all points in the insurance transactions, especially in the event of a claim.

The insurance company cannot lie or misquote the policy, must fully and fairly investigate the claim, and pay in a timely manner. And often, it’s the exact opposite.

Coverages can be misapplied, meaning portions of the claim can be denied due to policy misrepresentations. Sometimes it can be worse and the insurance company acts in bad faith or outright tries to bring things right over the line of legality. This puts the policyholder in a tricky situation and makes the claim process more difficult.

At Bell Operations Systems, we know the rules, have seen most of the mistakes, experienced the bad faith, and sometimes even witnessed outright deception. We know how to successfully navigate claims and how to document and dispute issues that come up when the carrier misbehaves, or something doesn’t seem right. Our service for insurance claim consulting for policyholders extends across the northeast, including the states of New York, New Jersey, and Connecticut.

Case Study


We are often called in when an insurance claim has reached an impasse. If you have reached this stage in your claim, there are a couple of things you should keep in mind:
No carrier can unilaterally declare an insurance claim settled by simply sending you a check.
That doesn’t mean that they won’t try to bully you into signing releases or waivers.
The Problem:
We were called in on a year-old claim that an insurance carrier deemed “concluded.” They had brought in their experts and tried to get the insured to sign off on a deeply unfair and poorly investigated claim. They were pressuring the policyholder to settle for what they were given, which would have meant that the policyholder would have to pay out of their own pocket to finish the repairs. The carrier ignored repeated requests by the policyholder to reconsider their position.

We got involved and conducted an independent investigation. We discovered the carrier had acted so badly and in such bad faith that we contacted the district claims manager and resubmitted documentation, which we carefully and thoroughly prepared for the policyholder.

We also assisted the insured preparing official complaints to the State and moved up the corporate ladder to file additional complaints with regional management.
The Result:
A win for the policyholder. We got the claim paid fairly and the adjuster was disciplined by the state Insurance Department.
READ ALL CASE STUDIES

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