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Quote of the Day - She cried, and the judge wiped her tears with my checkbook. - Tommy Manville
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Don't Worry, The Insurance Company's Check Is In The Mail - 11 Years Later

You bought an earthquake insurance policy, and then your house collapsed during the earthquake. You submit your claim, and wait for the insurance company's check. It's 1994.

You wait. You wait some more. No check arrives.

You go talk to an attorney, and find out you're not the only one. There are lots of you who haven't been paid. So many, in fact, that the California legislature passes legislation, allowing you to sue your insurance company for bad faith and collect punitive damages. That's because you had to wait so long for the check that the statute of limitations passed you by.

The year? We're in the new millennium - it's 2000.

Guess what happens next?

That's right. The insurance company says the statute is unconstitutional. They claim it's an ex post facto law.

This scenario seems so unreal that you may think I am making this up. I assure you, it happened. Right down the street from where you live.

The Court finally decided that you are entitled to collect punitive damages from the insurance company. Now, however, it's 2005. Eleven years after you submitted your claim.

How long do you think it will take 21st Century Insurance Group, the insurance company that denied the original claim, to write a check?

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Printer friendly page Permalink Email to a friend Posted by J. Craig Williams on Friday, April 01, 2005 at 18:35 Comments Closed (0) |
 
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