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Re: Advocacy grop seeks info on insurance/HMO abuses

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Posted by tonyb on September 25, 1999 at 15:08:51:

In Reply to: Advocacy grop seeks info on insurance/HMO abuses posted by Harvey Rosenfield on September 24, 1999 at 15:57:47:

: We're a national consumer advocacy organization specializing in holding insurance companies and HMOs accountable for abusing consumers. We are interested in any information you may care to provide us with. (We do not represent individuals except in unusual circumstances). Our web address:

We live in Volusia county FL in a mobile home. My insurance agent tells
me that a three thousand dollar deductible is state law in my area. He
also tells me that we would have been covered if this were wind damage.
Since this storm was declared a hurricane I am not covered for the first
$3000.00 of damage to the mobile home. Please give me any information
you can about this "state law" T.I.A.
Henry Lelong.

If your agent can point to the $3,000 deductible in your policy, it no
doubt does exist. It's no surprise that law makers and insurance are
hand in glove. These changes and other major changes in wording now
give much less back to the consumer and are far from trivial. The
ramifications are staggering. We have watched as the first deductibles
were put in place (not that many years ago) and then as they grew by
leaps and bounds and other important wording was installed favoring the
company. We stood by as more and more exclusions were added and the
coverage shrank, all the while the price of insurance skyrocketed. This
final affront leaves no doubt--the guest has taken charge of the host.
The insurance company control of what they want from you and when they
want it, is the new standard. The contract we call insurance is fast
becoming unilateral. Unless we are willing to reclaim our position as
an equal in the transaction, we can continue to bear witness to its
dictatorial powers. Apathy is partly to blame. However, awareness can
produce amazing changes through word of mouth.

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