Are insurance companies allowed to add people to your policy without your permission?
146192
Absolutely.  They do this for your own protection.\nIf he were living with you and you were even somewhat financially responsible for him and he got into an accident as an uninsured driver, the lawyers would sue him first and when he couldn't pay, they'd come after YOU personally for the costs.  Actually they'd sue your homeowner's insurance first and when that ran out they'd sue you personally.\nSo, do you want to take that risk of losing your house and savings because of that?
304443
You'll have the right to drop her coverage from your work plan at any time (they can't force you to keep covering the child if you don't need the child on the group plan).\nYou can't ADD the child when you want though.  You do have to wait for open enrollment for that.
205808
It will depend not only on the insurance company you are with, but also who your mortgage is with.  Most insurance companies will allow payments.  In fact, some only give the option of paying annual or automatic deduction from a bank account.\nSome mortgage companies insist on escrowing for insurance and paying the premium themselves.  If this is the case, you are making monthly payments to your escrow account when you make your monthly mortgage payment.
475468
PS I work for an ins company, and they DO NOT cancel you for having "some claims".  We cancel for non-payment or at your request, that is all we are allowed to CANCEL you for.\n\nWe charge you more or non-renew you for MANY claims, claims we feel were fradulent, or when you have too many violations or "points" on your license.  That is because you must pay more for us to assume more risk that you present when compared to an "average" driver.\n\nClaims handlers, thats not my department.  There is always a bona fide reason if they don't pay.  Most of the time, the problem lays in the fact the policy holders do not familiarize themselves with what coverage they do or do not have.
981627
Companies will not negotiate rates with you.\n\nHowever, I have heard of companies who match competitor's rate offers for business they already have.  Since state insurance regulators have to approve each company's rates, I'm not sure how insurers get away with that but they do.\n\nIn terms of why your rates keep going up.....it is totally dependent on the claims experience of your company.  If your company faces higher and higher claims costs.....you will pay more in higher premiums, even if you've had no accidents.
780201
While it's true insurance companies have the right to investigate suspected fraud, they do not have the right to violate your financial privacy UNLESS there is strong reason to suspect you; they must also comply with state insurance fraud investigation laws and any applicable federal laws.  The one that comes to mind here is the Graham-Leach-Bliley Act.  Under the GLB Act, insurance companies and their employees (such as an "inside" adjuster) are considered "financial institutions," and therefore they are subject to the privacy provisions therein; an outside insurance adjuster is probably considered a "business affiliate" of the insurer, which would mean  the adjuster is also subject to the GLB Act's requirements.  (I've never had to research the topic of outside adjusters being subject to the GLB Act, so I cannot definitively address this point.)  The store, however, is not a "financial institution" under the GLB Act, but it's probably required under state law to maintain privacy for its customers.\n\nMy advice for you is:\n\n1)  Provide a copy of your exchange receipt to your insurer so you are no longer considered a suspect;\n\n2)  Contact your state's insurance commissioner's office and speak with an investigator in the fraud division.  Ask what state laws were applicable in this situation.  You may be asked to file a formal complaint against the insurer or adjuster.\n\n3)  Contact your state's consumer protection division and ask whether the store violated any laws pertaining to the trasaction of business.\n\n4)  Consider filing a complaint with the FTC, which enforces the GLB Act.  You can do so by going here:\n\nhttps://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01\n\nFor more information about the GLB Act, go here;\n\nhttp://www.ftc.gov/privacy/privacyinitiatives/glbact.html\n\nI hope this helps.
35272
Nope. I am from Ohio and a friend of mine tried to get his fiance on his insurance and was not allowed until they were married. You have to be married to be able to be inclued on your partners insurance.
1022176
Change your insurer.  If you have a complaint about the one who voided your insurance, take it to the Insurance Ombudsman.\n\nHowever, if you have tried to raise this matter with the insurers and were rude to a call handler (I nearly lost my rag with one so don't think I'm being accusatory in this) they do reserve the right to withdraw cover.  Remain perfectly calm while you are dealing with the idiot on the other end of the line (who similarly thinks you are one, too) and just remember to a) ask for their name before you enter into any discussion with them; b)if you feel you are beating your head against a brick wall with them, ask to speak to their manager or supervisor - they should be obliged to let you do this; c), threaten to involve the Insurance Ombudsman.
109593
no\nand no!\nnot in a building\nnot to meet code\nand not to make a claim on your insurance either
281518
He can but it will not do him any good, the owner of the policy has the say on to who the beneficiary will be, not any one else unless in some cases of divorce there is a court order stating who the beneficiary must be. its the same if a business takes out a policy on an employee, the business owns the policy thus giving then the right to name the beneficiary, unless there is a court order the owner can do what ever they want.
1105057
HIPAA requires your insurer to give you a notice of your privacy rights and tell you that your records might become subject to disclosure through a court order, etc.  your state's general laws would determine when your records could be subpoenaed or otherwise disclosed.  the state insurance department, for example, generally can ask your insurer for any records it has on you and the insurer must respond.  \n\ndon't forget the federal anti-terrorism laws.  if the gov't thinks you are an "evil doer", it can send your insurer a letter demanding your records, without a court order, and your insurer must give them and can't tell you the gov't asked for them.\n\ngood luck!
98765
In the event of claim by one insured for which another insured covered by the same policy may be held liable, this endorsement covers the insured against whom the claim is made in the same manner as if separate policies had been issued. However, it does not operate to increase the insurance company's overall limit of liability.\n\nNormally under law people cannot sue themselves. As this policy insures many entities, this would preclude any of the insureds from suing another one of the insureds. However, a special Cross Liability Clause provides that each Society and its leaders is covered as if they were an individual insured so that they could sue each other if negligence were involved and bodily injury or property damage resulted.\n\nThe policy does not replace the Personal Liability Insurance that the members should carry for their protection for any personal liability of theirs outside their activities as a member. The policy does protect members when acting with or on behalf of the group, but their Personal Liability Insurance could be called upon if they personally caused bodily injury or property damage to another member.
315638
When a life insurance policy is owned by someone other than the insured, the must prove an "insurable interest" at the time the policy is applied for. Also, even the policies that are guaranteed issue (no medical underwriting) still require the signature of the insured. If your signature is forged that would be grouds for the insurance company to void the policy.
1123738
Not unless the company who issued the policy makes this knowledge public. If you have this kind of worry..perhaps a private investigator would be good idea..and have him check up on the person or person you suspect of having the policy
929902
I would call your state medical board.  What they are doing seems to be quite unscrupulous since they already started the work.  I have never heard of a doctor refusing insurance once he accepted it and started the work.  Good luck.
1080525
Not by law, but you will want to for liability reasons. For instance, if you had an employee driving your company car and they crash into someone hurting them and they found out that you never checked for their driver's license they can sue you for being negligent (sp)...and that comes with a hefty price you are found guilty.
1123618
Short answer: no\nThe insurance companies have people that are typically former assitants, or dentists. \n\nAnyone promising you can make money doing this is scaming you.