by Anthony Holliday » Tue Nov 04, 2008 02:02 pm
I was on a job sit and got bitten by a dog that had a million dolliare insurances on it . So instead of me going to court the insurances company gave me settlement not to go to court . Which i was fine with but instead of paying me they said the people who own the dog file bankruptcy so now they do not have to pay me i was just wondering if that was true This happen in Mississipi . I was wondering if somebody could give me so advise on what to do about this
Posted: Tue Nov 04, 2008 02:18 pm Post Subject:
Not only does that make no sense, I really doubt it happened like that. The solvancy of the insured makes no difference what so ever and I fail to see how any insurance company would say that it does.
Posted: Tue Nov 04, 2008 07:15 pm Post Subject: Help
So what do you think i should do then
Posted: Tue Nov 04, 2008 11:25 pm Post Subject:
1) Confirm that a denial is being made and why.
1b) Until its in writing, its not a denial
2) If they are denying the claim as their insured is insolvant (which will not be the case), speak to a supervisor and manager and find out how they can deny their insured coverage for this reason.
3) If they are going to deny the claim, file a complaint with your state's Dept of Insurance
4) Seek legal representation.
Posted: Wed Nov 05, 2008 05:56 am Post Subject:
Does bankruptcy affect a claim process? I guess not, therefore, you should receive the compensation, if it's a rightful claim. If the other party's insurer isn't complying with the rules of paying a claim, you're required to file a complaint against it with the state insurance department.
Posted: Wed Nov 05, 2008 06:20 am Post Subject:
No one is required to file a complaint.
Posted: Mon Nov 10, 2008 04:03 pm Post Subject:
Why not?
Posted: Mon Nov 10, 2008 05:05 pm Post Subject:
Why not?
Because filing complaints with the state DOI, is ALWAYS optional...no one REQUIRES a complaint be filedPosted: Tue Nov 11, 2008 02:32 am Post Subject:
I can't see waht bankruptsy has to do with anything. How can it? I am sure that person did not file bankrupsy against his insurance company. If it was a denial how come they made the offer to settle to begin with. Guess I am confused.
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