A Policyholder’s Right to Open Communication

Insurance companies and policyholders both have certain rights and obligations when they enter into policy contracts. For instance, policyholders must pay their premiums according to schedule, while insurers must communicate with their policyholders about any changes to their policies or a claim’s status. It is crucial for policyholders receive this information in a timely manner, as it can drastically affect their financial stability. If an insurer doesn’t maintain reasonably open communication with its policyholders, it may be held accountable for this wrongdoing.

When Should an Insurer Contact You?

In some cases, an insurance provider has a basic obligation to contact its policyholders regarding certain information, or it may commit an act of bad faith. Specifically, open communication is necessary in the following instances:

  • When changes are made to a customer’s policy
  • When a claim has been denied
  • After a policyholder has called or sent an email regarding a claim (within a reasonable amount of time)

Customers have a right to know about the status of their policies and any claims they file under those policies. Failing to keep policyholders informed regarding their policy contracts and claims may be grounds for legal action against that insurance company.

Contact Us

If you’ve been mistreated by your insurance company and are looking for a way to hold it responsible for its lack of fair communication about changes to your policy or claim status, we may be able to help. For more information about the legal options available to you as a wronged policyholder, contact a lawyer from Smith Kendall, PLLC, today by calling 214-361-6124.

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