Claim Denied: Continued

At J.M. Doherty Insurance we have seen the way insurance carriers can act at claim time. If there is a reason an insurance carrier can get out of paying a claim, then they will. If you have an accident while using your car in business, delivering goods for example, there could be problems.

There is a question on every Massachusetts Auto Insurance application that asks specifically; Is this vehicle used in the scope of any business?

This is a broad question, and there is "grey area" in that question, as well. If this question is black and white, yes or no, then the claim continues along its course. If the answer is other than yes or no, the claim grinds to a halt. This is the time the insurance carrier informs you that the "SIU" Special Investigations Unit has been notified and they will be contacting you.

Did I mention that 1) someone injured went to the hospital, 2) you're bummin a ride to work, 3) there is a car payment due, 4) the car is severely damaged, maybe even a total, 5) storage fees are adding up 6) the insurance company isn't doing anything until "all these questions are cleared up". Tick, Tock, Tick, Tock...

That's how it works! Please tell me that this kind of news wouldn't make your day?

Now the SIU calls, informing you that you are on a recorded line and the information you provide is admissible as audio testimony in court. What kind of business is it? Are you transporting goods, like take out delivery food? Like people to the airport? Avon, Silpada, Pampered Chef, the list go on and on. Insurance companies and lawyers dwell on the grey area.

Some folks really don't understand the problems that can arise when this question is answered incorrectly. Even if you are unaware this is you...let's discuss it.

www.jmdins.com

Let the professional staff at J.M. Doherty Insurance help turn the grey to black and white.

For more than 36 years we have been "steering you in the right direction"! Please look us up today.

Thank you!!