You never know when someone needs help, especially if you don’t ask.
I had the pleasure of making an acquaintance at the gym, Tom, who asked me what I do for a living. “My company helps businesses and their employees”, and then I went on to explain exactly how we help. When he heard that I understand insurance he didn’t hold back, and voiced his frustration about a voluntary accident policy and a claim that wasn’t paying, and as soon as he could drop it he would (stating the policy was junk).
So I started asking more detailed questions - what carrier it was, and his reasoning behind why the claim wasn’t paying. I gathered a little info and looked into it later in the day.
As it turns out, my new friend was filing the wrong form, and instead of the carrier alerting the policyholder of his error, they simply denied it.
Tom brought me the paperwork today, where we will file his new claim properly, and thanked me for helping navigating these complicated waters - the claims process.
Turns out, Tom’s going to get his claim paid, and when it’s all said and done it will pay the equivalent of his policy for the next three years - on a single claim.
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