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Your Rights as An Insured

What are your rights as an insured?

insurance claims car accidents

Keywords: Insurance Coverage Lawyer(s), Insurance Coverage Law Firm(s), Insurance Coverage Attorney(s)

While buying any kind of insurance as a consumer in a free country like the United States of America, as your insurance coverage lawyer will tell you, you have the right to enjoy a certain amounts of rights. But before we get to what are these rights, we would also like to disclose the fact that this insurance that you are applying for comes with a two way contract, where you have an integral part to play.

So, alongside these rights, you also have a certain amount of duties and responsibilities that you must fulfill. These can include you being responsible for understanding your own needs, asking questions that you want answers for, and providing accurate and contemporary information about yourself to your insurance coverage law firm. All of these things will be explained to you by your insurance coverage attorney.

So, without further ado, let us take a look at what are your rights as an insured:

1. Right to be informed

This is the first right that you enjoy as an insured. You do own the right to have access to an easy to understand explanation about everything that comprises of the complete insurance process by your insurance coverage lawyer. This will include all the information about how the insurance works and how the prize of the insurance is calculated by your insurance coverage law firm based upon relevant facts.

You also have the right to get clear cut information about your settlement process, your coverage, and your policies that are part of the insurance. Your insurance coverage attorney can elucidate this in a better way. Additionally, you hold the right about changes in the policies or cancellation of your policy at least 30 days before it takes place by your insurance company. You also have the right to be informed about how your agent or broker is compensated and if he had had any conflicts of interest with the policy.

2. Right to transparent and timely handling of claims

Whenever you apply for a claim, you do own the right to be responded by a qualified staff of the insurance firm in a timely manner and without any delays. Following that, so that there is no confusion on your part, it is your right to attain complete information about timelines and procedures that are part of your claim. Alongside that, your insurance agent is also responsible for telling you about the current status of your claim at any point of time during the process.

You also bear the right, in the case of your claim being denied, to ask for the right valid reason as to why it has happened and attain all the information regarding it. You can contact an insurance coverage lawyer, if your insurance company denies this basic right. This is one of the most important parts of what are your rights as an insured.

3. Right to complaint resolution

You do bear the right to access your insurance policy’s complaint resolution at any point of time. Your agent, broker, or insurance firm has to provide you with all the information about how you too can make sure that your complaint is heard properly and handled accordingly. You have the right to understand the complete process of your complaint and make sure that justice has been delivered against it. If you feel that there is any flaw within this, you can employ the services of an insurance coverage law firm. In fact, while being stuck in such a situation, you should come in contact with your provisional insurance regulator or with the independent general insurance service.

4. Right to privacy

Finally, and in this day and age, the most important of all your rights as an insured is that you are the sole bearer of the right to privacy. This right to privacy extends towards you getting the right to understand about how all the personal information that you submit to your insurance firm will be used.

In fact, every insurance company must provide with their privacy statement to every insured, if they ask for it. If they do not do so, you can freely hire an insurance coverage attorney to get justice. So, under the law of United States of America, you can freely ask for the privacy statement from your insurer, along with how your personal information will be used.

Now, you know what your rights are as an insured. Still, having them does not mean that they are free. But instead, all of these rights come with their paired up responsibilities that you must follow while enjoying these rights. Responsibilities like understanding your own needs and then asking the right questions to the insurer so that they can serve you better, or your responsibility to accurately give information about yourself should be upheld at all times.

This content is available for general information only. The information presented is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice. You must secure a lawyer or law firm to obtain proper professional advice.

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