The American Association for Justice has published an interesting and helpful article titled Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse. The topics include: Denying Claims, Delaying Until Death, Confusing Consumers, Abandoning the Sick, Discriminating by Credit Score, and Canceling for a Call. Here is the summary of the article and what you can do about these tactics:
READ YOUR POLICY CAREFULLY: You should know exactly what is covered and how to appeal a denial by your insurance company.
BE VERY CAREFUL FILLING OUT FORMS: Even if you make an honest mistake your insurance company may seize on that as a reason to retroactively deny your coverage.
DO NOT CASH A PREMIUM REFUND CHECK: If your insurance company cancels your insurance when you make a claim, they may send you a check for premiums paid. Cashing it may act as accepting their decision.
PUT EVERYTHING IN WRITING: Calling your insurance company is likely to be a frustrating experience, and you will not be able to prove anything that a company representative tells you over the phone. Keep records of all bills and correspondence.
CONTACT YOUR STATE INSURANCE DEPARTMENT: They may be able to help you. But they will not represent you in a private matter, so if all else fails you may need to consult with an attorney.
AND MOST OF ALL, DO NOT GIVE UP: Insurance companies count on you giving up. Fight for your rights.