by Guest » Fri Jul 03, 2009 03:00 am
My husband passed away about 4 months ago and I am I am being denied our AD&D insurance. They are trying to say that it wasn't accidental. That he should have known that what he was doing could have caused death. It wasn't in the list of exclusions at all.
I have an attorney in my home state looking over everything but I am not sure who should handling this. This is what he is looking into. Here is my problem. My husband and I worked for contracting jobs so we were working out of state. We were working in Kentucky that is where we obtained our policies. We were staying in Indiana at the time of the accident. The accident happened in kentucky, he was pronounced dead in Indiana. Our home state was Ohio so what state do we handle the insurance in?
This is so confusing! I have a family member who worked for and retired from a pretty big insurance company in Ohio and he said that since the company is making it hard on me that I should file a complaint with Ohio, Kentucky, Indiana and Pennsylvania. He said we should include Pennsylvania because that is where their headquarters are.
Would anyone on here be able to tell me who would have jurisdiction over this case?
I have an attorney in my home state looking over everything but I am not sure who should handling this. This is what he is looking into. Here is my problem. My husband and I worked for contracting jobs so we were working out of state. We were working in Kentucky that is where we obtained our policies. We were staying in Indiana at the time of the accident. The accident happened in kentucky, he was pronounced dead in Indiana. Our home state was Ohio so what state do we handle the insurance in?
This is so confusing! I have a family member who worked for and retired from a pretty big insurance company in Ohio and he said that since the company is making it hard on me that I should file a complaint with Ohio, Kentucky, Indiana and Pennsylvania. He said we should include Pennsylvania because that is where their headquarters are.
Would anyone on here be able to tell me who would have jurisdiction over this case?
Posted: Sat Jul 04, 2009 03:55 pm Post Subject:
Ok, we're making progress.
Something is still not adding up. Please don't take anything that I say defensively. I want to be of help to you.
How long has the policy been in force? Is there anything on the application that was not answered 100% honestly?
Has your claim been denied or are they looking for more proof before they pay?
Was anyone other than your husband hurt in the accident? Was he subsequently charged with driving under the influence or something similar? Is that a felony?
I just trying to figure out what is being missed.
Posted: Sat Jul 04, 2009 04:56 pm Post Subject:
Thank you.
It had been in force for about 5 months. They never asked me any questions about anything. I just filled in at work that I wanted VPAI. I had choices concerning to cover my whole family and for how much.
They denied the claim saying it wasn't an accident they said they had all of the proof they needed.
Nobody but my husband was hurt. It was a single motorcycle accident. No he doesn't have any prior drinking and driving so if he was charged with that I would think it would be considered a misdemeaner (sp). With the police report it didn't say anything about any charges being filed at all.
Thank you for your help
Posted: Sat Jul 04, 2009 07:08 pm Post Subject:
Is there anything in the policy making it a graded benefit for a period of time?
Posted: Sat Jul 04, 2009 07:08 pm Post Subject:
If you want to PM me and give me a way to contact you, I'll take the time to try to be of help.
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