R
rissasue
Guest
My sister died in 1998 in auto accident. Brother-in-law contact her insurance rep., at old job, was told no insurance. A year later we find out she had coverage. Filed and took them 9 months to decide to pay, with no interest paid in addition to policy amount. But they refuse to pay AD&D portion, saying she wasn't covered since she left job and her next payment would have been due 18 days prior to death, so coverage stopped then. The insurance policy (copy was sent to me) states "Termination of Personal Insurance"
Coverage for any Insured will end of the first premium due date on which the Insured is no longer eligible; subject, however, to any applicable "Conversion Privilege" contained in this policy.
But their Benefits Book under the dependent only portion, states "No conversion privilege is available for the AD&D portion of this coverage...."
They are using this to say they don't have to pay. Is there any hope to make them pay, since it is implied there is a conversion privilege in the policy, and they have admitted in writing there should not be a reference to a right not applicable to this policy?
This would be under the Arkansas State Law, as that is where the policy was delivered.
Thanks for any help.
Coverage for any Insured will end of the first premium due date on which the Insured is no longer eligible; subject, however, to any applicable "Conversion Privilege" contained in this policy.
But their Benefits Book under the dependent only portion, states "No conversion privilege is available for the AD&D portion of this coverage...."
They are using this to say they don't have to pay. Is there any hope to make them pay, since it is implied there is a conversion privilege in the policy, and they have admitted in writing there should not be a reference to a right not applicable to this policy?
This would be under the Arkansas State Law, as that is where the policy was delivered.
Thanks for any help.