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Re: Policyholders DO Have Rights

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Posted by Skip Rawstron on August 30, 1999 at 09:22:15:

In Reply to: Policyholders DO Have Rights posted by tonyb on May 31, 1999 at 16:18:35:

: From: "Bob Lund" Date: Tue, 13 Apr 1999 19:04:00 -0700
: Subject: Re: HOME & BELONGINGS

: There is no such thing as Insurance Claims Rights. There are only contractual agreements.

: -----Original Message-----
: From: Antone P. Braga To: Date: Tuesday, April 13, 1999 6:41 AM

: >>Hi,
: >>please reply if you agree that catastrophe survivors deserve having access to their insurance claim rights.

: >>Thank you.

: ^Bob, you have hit the nail on the head: there IS no such thing as Insurance Claim Rights so long as the public AND even those
: in the insurance industry itself believe there are none. However, from just one major source there are many, many pages of
: policyholder rights and company obligations under the title "N.A.I.C. Model Regulations" (National Association of Insurance
: Commissioners)
that spell out those prohibited, unfair or deceptive practices in the business of insurance. There are also many
: state laws that set additional standards. I have made it my crusade to inform the public, and also have the industry become
: aware, of these rules and standards. . .

Dear Tony, Bob, and all other insurance policyholders:

From firsthand experience, I can unequivocally state that policyholders have rights. Those rights are violated by insurance carriers
every day. Sometimes, asserting your rights causes
insurance companies to dig in their heels and
spend outrageous amounts of money trying to
intimidate people into settling for less than they
are entitled to.

I have been involved in litigation with Safeco
Insurance Company of America for over 3 years and
during the war, have won major victories, including
a judicial ruling that Safeco and all other
insurers selling homeowners/fire insurance policies
have to reform their policies to conform with the
the law, i.e. California Insurance Code sections
2070 and 2071. For more info, see,
SPECIAL STORY, " Are Homeowners Carriers Thwarting
the Law in California" and www.uwreport,com, "The
Rawstron Issue" California Dept Issues Notice to
Insurers On Insureds' Policy Rights.
Check the Archives for August 23,24, and 25.

One person can make a difference, although it is
like David vs Goliath. In fact, the issue I am
fighting is being looked at in at least 10 other
states and may wind up as a RICO prosecution.


R.R. Rawstron III

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