Insurance Claims

The death of the life assured has to be intimated in writing to the insurer. It can be done by the Assignee or nominee under the policy or from a person representing such Assignee or Nominee or when there is no nomination or assignment by a relative of the life assured, the employer, the agent or the development officer. Where policy is assigned to a creditor or a bank for valuable consideration, intimation of death may be received from such assignee. (more information about life insurance ).

Sometimes, the office need not wait till the intimation of claim is received. The concerned agent, newspaper reports in case of accidents or air crashes, obituary columns may give information and claim action can be started. However, the identity of the deceased should be established carefully.

The intimation of the death of the life assured by the claimant should contain the following particulars:

(1) his or her relationship with the deceased,

(2) the name of the policyholder,

(3) the number/s of the policy/policies,

(4) the date of death

(5) the cause of death and

(6) sum assured etc.

If any of these particulars are missing the claimant can be asked to furnish the same to the insurer. (read more about life plan and life cover ).

The intimation must satisfy two conditions:

(1) It must establish properly the identity of the deceased person as the life assured under the policy,

(2) It must be from a concerned person.

If you have a business which is in someway involved with automobiles, be it selling, buying, or fixing, then you will need to get hold of adequate motor trade insurance. This coverage would help protect your business from any form of financial loss due to accidents and other factors.

It does not matter what size of company you run, the correct motor trade insurance would allow your business to thrive. Before signing up for any specific plan you should read the following information which would allow you to get a clear understanding of some of the terminology used.

Road Risk: This is the most basic form of motor trade cover. If you have any business relating to automobiles then you would need a minimum of road risk cover. This would allow for your employees to drive vehicles on the public road network for trade and occasionally special purposes. As with regular insurance the type of policy can be fully comprehensive or simply third party only.

Combined: A combined policy would not only insure your vehicles but also give coverage to tools, equipment, and perhaps even the business premises. A combined policy would be a lot more expensive than a road risk only plan.

Demonstration: If you are buying and selling cars then you will need an insurance policy that gives protection when vehicles are being test driven by potential customers. There are two forms of insurance that can cover demonstration drives, accompanied and unaccompanied. If you want to allow a potential buyer to take the car off by themselves then you would need an unaccompanied demonstration insurance cover.

Always do as much research as possible before choosing any new insurance policy today. The internet has increased the options considerably. Check out comparison websites to quickly locate the best deals. Huge savings can be had by shopping online even for your truck insurance or commercial vehicle insurance.

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If a company turns you down for a policy, try another company. Companies use different methods and factors to decide whether or not to insure you.

For example if you have high blood pressure that you control with medication, one company might reject you while another company may accept you.

If you have a medical problem, it’s a good idea to talk it over with your doctor. Treatments may improve your condition enough to meet company standards, or the company may qualify you as a special risk at an adjusted premium. If the company uses your medical information to arrive at its rating, it must share that information with your doctor at your request.

You might also want to check on group life insurance. Some group plans do not require medical exams or health histories.

Insurance companies are part of the free enterprise system and can – within certain limits– select those individuals they want to insure. However, they are not free to turn down coverage without a valid reason. Under Washington state law, insurers cannot refuse insurance to anyone based on:

• sex

• marital status

• race

• creed

• color

• national origin

It’s also against the law to deny coverage to domestic violence victims. And it’s illegal to refuse people with a sensory, mental, or physical problem – except when the company can prove statistically that someone is more likely to file a claim.

If you feel an insurance company is treating you unfairly, you can file a complaint with our agency by calling 800.564.4107 . these are your trusted companies:

-        Group Benefits Hartford, CT

-        Workers Comp Hartford, CT

-        Commercial Property Middleton, CT

We will look into the issue on your behalf.