You must honestly answer all questions on the application.
Ordinarily, there is a question pertaining to prior denials of insurance. If you do not accurately answer the question the insurer may have a later basis for denying payment of a claim. Alternatively, if the misrepresentation is discovered before a claim is made (in this case, before death), the insurer usually has a basis to void the policy and return all premiums paid to the point it discovers the misrepresentation.
The insurance companies have certain rules and restrictions. They have the right to refuse policies and coverage to people on certain medication including sleeping pills.
The client submitted erroneous information on the insurance form, and therefore, was denied coverage.
California laws dictates that people with disabilities cannot be denied car insurance coverage. Each individual will have to be assessed and the risks factors written into the car policy as the insurance company must do, but you can get coverage with insurance companies if you are disabled.
Not answering an application for insurance has serious consequences. If you 'misrepresent' any information on the application and suffer a claim, then entire claim can be denied.
If they denied that claim for cause, such as fraud, then there is nothing you can do. If they did not have cause, you can try contacting the department of insurance in your state. That is of course, as long as you had comphrensive coverage on the policy. If you did not have coverage, they do not have to pay for anything.
Some people opt for discount car insurance and they get discount insurance coverage, claims can take a while to process and sometimes denied more frequently
I don't think mental health prevents you from obtaining or increasing home owners insurance. I have never heard of this happening and it seems like it would be unfair.
Just because you are denied insurance coverage with one company doesn't mean you will be again. As an independent insurance agent, I represent over 15 different auto insurance companies and if someone is truthful with me I can place them with the company that has the best coverage and rates for their situation and driving record.
Yes on Individual plans. Employer Groups have guarantees If you're denied as an Individual there may be a State Risk Pool for you http://www.nahu.org/legislative/HRPs/index.cfm
Generally yes. Most employer coverage is guaranteed issue. If you applied for an individual coverage and were denied for underwriting reasons that should have no effect on the employer plan. In fact, it is common for someone with an uninsurable condition to make the availablility of health insurance a prime consideration when looking for a new job for this very reason.
Purchase Extended Coverage that includes Wind and Hail losses with your Homeowners Insurance Policy. This way future losses will be covered.
Assigned risk auto insurance is used to cover those drivers that would normally be denied coverage by most insurance companies. They get this form of auto insurance because of State law requiring them to be covered by auto insurance.