On May 13, 8:00=A0pm, CLEs...@webtv.net (Carol Eskra) wrote:
> We sailed in April of last year, so I doubt if anything can be done.
>
> Thanks for responding.
>
> Carol
It maybe to late to file a claim since most policies require that you
submit a claim within a specific time period but it's still worth a
try especially if your daughter made notes of when she called.
As a rule with travel insurance you have to notify them of a claim,
usually within 30 days of the loss. Once you've done that the
insurance company has 15 days to get you the claim forms and than you
usually have 90 days (or as soon as reasonably possible) to return
them. Sometimes a claims representative from the travel insurance
company will try to discourage you from filing a claim, saying that
it's not covered. NEVER and I repeat, NEVER, accept a verbal
declination of a claim. Since it's verbal they may not even record it
in their computer system that you called. However, if you have the
date and time you can ask them to review their recording since almost
all of them now record phone conversations - you know "for training
and quality purposes".
As a policyholder you have a contractual right to file a claim and to
try and prove your loss. Officially filing a claim requires that they
investigate the claim and make a determination as to whether or not
it's covered. If it's not covered than they should provide you with a
written explanation as to why which should site the exact policy
provision that allows them to decline the claim. Again, get it in
writing. NEVER, NEVER accept a claim representatives phone
conversation. Get their declination in writing and insist that it be
specific as to why it is not covered.
I recently wrote an article about "When Claims Go Bad" which you can
read at:
http://www.quotewright.com/weblog/when-claims-go-bad/ |