Insurance Company Tactics Really Bite

Many people who run across an insurance company that deals in bad
faith and other tactics, wishes they'd never had to deal with the
company in the first place.

It's depressing, to say the least, to think that the insurance
industry, one of the biggest money makers in the US with profits over
$30 billion a year, have been known to stoop to engage in dishonest
tactics and a flagrant lack of ethics to inflate their profits.

Given the tough economic times America faces currently, it's not too
much of a stretch of the imagination that those same insurance
companies will jack up their rates even more and deny more claims.
While this might be called a defensive position to support their bottom
line, it certainly plays havoc with the industry as a whole. "Not only
that, it seriously hampers consumers who ultimately suffer the
consequences of denied insurance despite paying their contractual
obligations monthly – meaning premiums," commented Christopher Mellino,
a Cleveland, Ohio lawyer.

People might once have thought that the big name insurance company
we all thought was the salt of the earth and had earned our family's
trust was above reproach. Nowadays people are finding out that the
family friend has turned into Uncle Scrooge overnight and is not only
denying reasonable claims for strange reasons, but is delaying
payments, burying customers in insurance legal jargon and even refusing
people retroactively who file claims. One might well ask, "What is
wrong with this picture?"

"As horrendous as it may seem, there is evidence that those once
friendly companies have gone out of their way to deny claims by
actually offering rewards to employees who were successful in turning
down claims, added Mellino. Workers who would not engage in that kind
of behavior were fired. If denying claims didn't work, some of these
companies were not above perpetrating fraud to not pay claims.

While denying claims is bad enough, get ready for the worst stunt in
the book - delaying claims until death. This has been done in instances
by long-term care insurers whose rationale is simply this: if they
don't pay a claim they make money. Some of them have waited until an
aged policyholder died to avoid paying. "This behavior is just the tip
of the iceberg in an industry that is now also using credit reports to
decide who gets insurance or not and how much they will pay," said
Christopher Mellino, a Cleveland, Ohio lawyer. Brings to mind another
good question: "When will it end?"

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