Connecticut Insurance

WHEN Dorothy Green Bridge Port of their car were raised in 1996, she decided not to replace it. They called their insurance company, but the company has continued to be deducted automatically car insurance premiums of its cheque settlement - for more than 18 months.

Ms. Green said she was not able to solve this problem, so they become familiar with the Connecticut Insurance Department, the company had, Metropolitan Life, the car and Home, breaking the refund policy and their retroactive effect of more than $ 3000.

Then there’s the case of a sick man Westport, on a trip to Massachusetts and the emergency operation, which cost more than $ 10000.

It was, but said its policy, but there was misunderstanding between the Massachusetts Blue Cross / Blue Shield and his counterpart in Connecticut. For more than a year, hospital patients account for the payment and threatened his name sent to a body recovery. After filing his complaint with the Connecticut Insurance Department, the medical bill was paid in full.

”If I have the assurance of the Commission, he knew it had something to do or there would be problems with pike,”the man said Westport insurance company. He requested can not be identified because he said, to convince his employer for the insurance company. ”It’s not always run low,”he said.

The Consumer State Department to ensuring the division is a free service for people concerned about health, materials and automobile insurance. ”We are here to ensure that consumers are treated fairly by insurance companies,’’said the spokesman for the department, Susan Cogswell. ”We have research and answer questions or solve a problem.”

The service responds to 10,953 complaints and requests for the year ended in June. And during the year 1998, he helped consumers new $ 4.5 million policyholders in all situations, including those in which the rights were initially denied. But that’s not to say, each applicant walks away with a handful of money.

If the service is, is wrong, but not only rehabilitation but traces of complaints to identify trends in the practices of a company. If staff, provides a model of development, such claims slowly, it approximates the society and take measures to ensure that this practice, Division officials said.

The section commands attention in the industry, because it all certificates of insurance in the areas of the State, whether an agent or company. The division, it also indicates the surveillance of each insurance company throughout the year to ensure the ability of payment and ensure that quite with consumers.

The law is not always black or white. ”It is sometimes a question of negotiations with a company - a grey area because - and this on behalf of a consumer,’’said Cogswell.

”An individual came to us was for the deaf and hearing impaired, the search for surgical treatment in the Managed Care, PHS PHS it would be medically necessary, it would not be paid,’’said Cogswell . She said the division has worked with the individual doctor, for the undertaking of research on the procedure, and finally agreed on the company to incur costs of approximately $ 50000. ”It was a question of having to speed on their research, they have better health of the individual.”Dit it.

When is it appropriate, the division? Whenever a person receives information from its insurance company that concern, “said Cogswell. There may be only a matter of a sentence, it seems high. A complaint must be written.