The insurance industry is a complicated one. There are so many laws and regulations, each with several interpretations. Unfortunately, this complexity also leads to companies taking advantage of policyholders. They refuse to pay valid claims or charge outlandish fees for coverage.
Despite these issues, however, you still have rights as an insured person. Laws exist to protect you from abuse and exploitation.
In this article, we explore your rights as an insurance policyholder and offer advice on how to exercise them.
Insurance Policyholder Rights in California
California law provides various protections for policyholders, including:
- The right to a fair and timely investigation of your claim
- The right to file a complaint if you believe your insurer is treating you unfairly
- The right to receive a detailed explanation of why your claim was denied or delayed
Additionally, insurance companies are required to provide clear and concise information about your:
- Exclusions
- Limitations
- Policy coverage
Tips for Dealing With Your Insurance Company
Understand What Is and Isn't Covered in Your Insurance Policy
Make sure to read all of the fine print so there are no surprises later. This may seem like a hassle, but doing so can save you from sudden surprises later.
Take the time to thoroughly review your policy. When you come across any ambiguous terms, don’t ignore them. Use a search engine or dictionary, or seek help from someone who understands the lingo. You can consult with Samra Dhillon & Associates, and we may be able to answer any questions you have.
Ask Questions If Something Doesn't Make Sense
Don't be afraid to ask questions if something in the insurance paperwork is unclear or confusing. Understanding insurance paperwork is a daunting task, but you must make sure you are fully informed before signing anything.
Reach out to the insurance company directly, and ask them to help you understand something. If their customer service person can’t help, don’t stop until they transfer you to someone who can.
Be Prepared to Negotiate with the Insurance Company
When it comes to negotiating with insurance companies, preparation is key. Have all your paperwork gathered, and be ready to discuss any discrepancies.
Knowing your policy inside and out will give you an advantage in the negotiation process. Be specific and clear about what you need from the insurance company. Remember to stay calm and professional during the negotiation process, and be willing to compromise if necessary.
Also, make sure to get help from an attorney before attempting these negotiations. They can prepare you for the conversation, or they can take over and negotiate for you when necessary.
Document Everything
Keep track of every conversation you have with the insurance company, and save any emails or written correspondence. If it’s over the phone, write down the key aspect of the conversation clearly, in a way that others can easily understand.
A clear record will help avoid any confusion or discrepancies later on.
In your documentation, make sure to keep a log of all the dates and times of your communications, and document the names of anyone you spoke with.
Get Help from An Attorney
We always encourage you to seek help from a lawyer who can give advice and protect your interests. When it comes to filing a claim, a qualified attorney can help ensure the best possible outcome.
They can review your case, identify any potential legal issues, and help you navigate the complexities of the insurance system. Whether it's negotiating with insurance companies or representing you in court, a reliable lawyer is essential in securing the compensation you deserve.
If you need help getting an insurance claim through, contact our team online or call our office at (916) 571-1550.
