by Guest » Wed Sep 25, 2013 03:49 pm
Hi,
Long story short, my insurance company is trying to not pay my PIP (85K). They denied my claim telling me to go to my siblings insurance company to pay the PIP but he no insurance coverage at the time of the accident. My brothers policy was cancelled 4 months before the accident!
I gathered all the proof and sent it to my insurance company to have them reverse their decision on my claim and they keep coming back saying "this isn't enough"/
What should i do? This has been going on for a year !! My PIP bills are on my credit report now and i'm really worried about that.
Is there a law that says they must handle this in a timely fair manner?
I live in New York by the way
Long story short, my insurance company is trying to not pay my PIP (85K). They denied my claim telling me to go to my siblings insurance company to pay the PIP but he no insurance coverage at the time of the accident. My brothers policy was cancelled 4 months before the accident!
I gathered all the proof and sent it to my insurance company to have them reverse their decision on my claim and they keep coming back saying "this isn't enough"/
What should i do? This has been going on for a year !! My PIP bills are on my credit report now and i'm really worried about that.
Is there a law that says they must handle this in a timely fair manner?
I live in New York by the way
Posted: Wed Sep 25, 2013 07:45 pm Post Subject:
Is there a law that says they must handle this in a timely fair manner?
Yes, it's part of the Fair Claims Settlement Practices Act. If you feel that Act has been violated, contact the NY Superintendent of Insurance and file a complaint.Posted: Thu Sep 26, 2013 02:52 pm Post Subject:
Thank you Max!
Does this look like a fair timeline to you?
Request for X-ray and test records 9/11/2012
Request for Hospital records 9/19/2012
Request for EUO 12/7/2012
EUO 1/8/2013
EUO request for Docs 1/23/2013
Denial letter from the insurance co. 6/18/2013
Denial reason is go to my brother's insurance company.
Provided proof from my brothers insurance it was cancelled before the accident occured on 6/18/2013
Still going on requesting more documents which makes no sense at this point. I even provided the original cancellation form from my brother.
Posted: Thu Sep 26, 2013 03:18 pm Post Subject:
No, it appears that this has taken too long to get to this point. File the complaint with the Superintendent as I suggested.
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