Insurance Companies That Don't Pay Their Claims!
MIAMI, FLORIDA -- I've been insured with the same insurance company for 6 years paying a very high insurance premium for me and my husband and our two cars. For the past 6 years, I've paid my insurance premium every month without fail and without giving a second thought of the cost. I figured that this was the price for insurance and in return, the company will provide the coverage, if and whenever needed.
Well, I was proven wrong when I was involved in an auto accident this year in May. I was on my way home when I was involved in a four car accident where car #4 rear ended car #3 and so on, causing a chain reaction up to car #1.
I was in car #2, and due to the accident I sustained several injuries, which weren't life threatening, but painful to say the least. I went to the hospital where all kinds of test were done, including x-rays and a brain Ct Scan. I was diagnosed with a knee sprain and sent home with a prescription for the pain. I immediately contacted the insurance company and filed a claim for personal injuries. A couple of days later, I received the forms that are submitted for this type claim. I complete all of the forms with as much information as possible and then returned. I was still in pain so I consulted with a doctor's office. They started me on physical therapy and prescribed an MRI in order to find the source of my pain. It turns out that I have 2 herniated discs, which resulted from the accident where surgery may be my only option.
Shortly after the forms were returned to the company, I receive 3 appointment letters from the insurance company. One appointment was for an examination under oath (EUO) and the other two appointment letters were referring me to their doctor for an exam, an MD Medical doctor and the other exam was with a Chiropractor. I cooperated with all of their requirements and policy conditions and yet, my medical bills have not been paid.
I received a bill from the hospital marked as "delinquent" stating that if payment is not submitted within 30 days that my account will be referred to collections.
Now, I've recently spent time and money restoring my credit and I fear that if payment is not made soon, that all my efforts and money will have gone to waste. I've called the insurance company and have left several messages for the adjuster who is assigned to my claim and I have yet to reeive a return phone call.
I've been left with no other alternative but to file a complaint with the Dept Of Financial Services for resolution and I believe that it's in the works. However, everyone that I have spoken to about my problem, people who have worked for this company say that this company simply doesn't care and that " They just will not pay their claims"
Then if that is the case, my question is, why is this company still in business ? Why do we, as consumers, pay an insurance premium when no coverage will be afforded ? Why is this company allowed to do this ?
Insurance is a contractual agreement between the paying consumer and the insurance company. A promise to pay a premium in exchange for coverage, to indemnify when needed. Well, I've been paying a premium in exchange for nothing.
A promise broken by the insurance company...
Please help me !!