A Houston Personal Injury Attorney can Help You with a Life Insurance Claim
Most of the time a life insurance policy is pretty clear. When you die, a certain amount of money goes to a beneficiary. Life insurance policies can vary in the amount of coverage. For example, individuals who don’t have immediate family may only carry enough life insurance to cover funeral expenses while those with families may carry much more. Certain policies, like whole life or universal life, may have cash values which go up as you make payments.
Why would you need a Houston personal injury attorney for a life insurance claim? As is the case with many insurance claims, the insurance companies disagree with some aspect of the claim and therefore attempt to deny payment. Three of the main reasons for non-payment on an insurance policy are:
• Undisclosed medical history
• Suicide
• Non-payment of premiums
With the help of a Houston personal injury attorney the claim can be examined to determine if the life insurance benefits are justly owed. For instance, physicians may disagree whether a death was suicide or accidental. Failure to disclose a medical problem in the life insurance application is another favorite contention of the insurance companies. However, coverage may still be legally required because the application may be too vague or because the deceased may not have been aware of the medical condition at the time the application was submitted.
Non-payment of premiums can be due to financial hardship that is a result of the terminal illness. A good Houston personal injury lawyer from our firm may be able to help you with this type of claim as well. We can never guarantee a result, but there have been instances where refusal of claims payment due to non-payment of premiums has been overruled by the courts.
If you have a life insurance policy make sure that you review it regularly to ensure the appropriate coverage to protect your family. If the insurance company has delayed or denied your life insurance claim, the you need to consult a Houston personal injury attorney to help you with your claim.
Uncategorized | attorney_houston January 13, 2010
