Has Your Insurer Held Up Their Side Of The Contract?

There are many kinds of insurance, and there is no limit to the amount of things you can insure if you want to. However, there are some basic things which ties all kinds of insurance together. One example of this is the existence of a contract. No matter what insurance you get, there will be a contract signed between you and the insurer. This is true whether you are talking about car insurance, home insurance or even holiday insurance. Of course, contracts are a binding legal document. As such, if either party breaks it, they are in effect breaking the law. However, sometimes it is the insurance company which breaks a contract. This occurs more often than you probably think. The truth is, insurers do not always live up to their own contracts. But what can you do if you discover that your insurance provider has broken the contract? And how do you know that it has happened? To answer these questions, we have put together this short post.

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Stalling On A Decision

There are many ways in which an insurer can fail to hold up their side of the contract. One such example is if they unreasonably stall on making a decision for an extended period of time. It can be difficult, as a layperson, to know whether a sufficient amount of time has passed or not to warrant this. That’s why it is always worth hiring a solicitor to look into the matter for you. However, if you feel that the claim has gone on for too long and needlessly, then always speak to the insurance provider first. They might have a reasonable explanation.

Denying A Legitimate Claim

If your insurer denies a claim which it knows to be genuine and above board, then that is a clear example of insurance bad faith. Doing so is a breach of the contract and a serious offence. As such, in these circumstances, you should always hire a lawyer to investigate matters for you. Of course, it might not always be immediately clear whether the insurer was aware that the claim was genuine or not. Either way, it is probably worth looking into, as it does happen from time to time. You never know what is going on behind closed doors, so it might be worth investigating. Seek legal help if you do decide to do this.

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Asking For Unreasonable Actions

A normal part of any insurance claim is that they will ask you for evidence that your claim is genuine. As an example, let’s take travel insurance. If you say your flight was cancelled, disabling you from travelling, then your insurer will ask for evidence of the cancelled flight. This is a measure to curtail insurance fraud, and it is good practice. However, it might sometimes be the case that an insurer asks you for an unreasonable amount of evidence. Alternatively, they might harass you about matters which are not entirely relevant to the claim. If this happens, then they might be breaching the contract, and you should seek legal advice.

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