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.