Our team at Spangenberg Shibley & Liber LLP handles cases involving canceled insurance coverage. If your family lost insurance coverage after you or a loved one was diagnosed with a serious illness or condition or sustained a major injury, you should not hesitate to speak with a Cleveland personal injury attorney from our firm right away.
What Does It Mean When an Insurance Policy is “Rescinded?”
Seeking to avoid "losses" on expensive claims—usually associated with life-threatening or chronic medical conditions, or with injuries sustained after serious accidents—health insurance companies retroactively rescinded coverage citing a provision in many health insurance policies permitting rescission if information on the insured's application was "misrepresented."
In these cases, typically, the insurance company was not required to establish that the insured intentionally or knowingly made misrepresentations on his or her application. Accordingly, when presented with claims, some insurance companies would look for discrepancies between the information contained in an insured's application for coverage and the insured's medical records to support rescission, and to deny the claims.
A Rescinded Health Insurance Policy Can Seriously Hurt Your Family
Recession of a health insurance policy often results in one's inability to obtain new health insurance coverage. The effect of the insurance company rescinding a health insurance policy on the average American family can be devastating. That’s why it is so important that you have a lawyer on your side to fight for our tights. Our team at Spangenberg Shibley & Liber is here for you. You need to know about the laws that protect you. You’re not alone.