Quote:
Originally Posted by Vana
No capitalist would sell insurance if it wasn't profitable: necessarilly you must never get what you pay for with insurance. Something to think about.
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That's illegal, and when states find out that insurance companies are not giving consumers what they're paying for, large fines quickly follow. Insurance contracts are very specific, but since consumers rarely read them, they expect things to be different. It is bigger problem with health insurance than property/casualty since consumers rarely get full copies of policies. There's also the issue that the claims folks are paid to say "no".
TM - if you're convinced you're in the right, contact your state department of insurance and tell them your problem, especially if you have documentation proving what you've said. Departments of insurance are generally the most customer-friendly state office you'll find because those regulators love nothing better than using their power over companies. I'm not sure which state you're in, but if you need a point in the right direction, just ask.