Missouri Insurance Lawyer Blog

Many people are worried that their insurance company will not renew them if they make a claim. In today's market there are numerous other choices if your insurance company denies your claim. However, if you have been refused a renewal by your company and you wish to stay with the company you do not have to accept their decision.

Insurance companies usually refuse to renew policies because of claims against the policy or when they have dropped the line of insurance as a product line. If you have no claims on your policy and you believe your insurance company unfairly refused to renew your policy because of false claims information, you should contact your insurance commissioners consumer service division. If your carrier refuses to renew your policy even after working with the commissioners consumer service division and you are having a difficult time finding coverage elsewhere you may wish to contact an attorney to discuss your legal rights.

For more information on insurance in Missouri, visit the MO Department of Insurance website.

Insurance companies must follow specific requirements when they cancel a policy of insurance. If the company fails to follow these requirements then the policy is not canceled.  One rule that applies in almost all cases is that the notice must not anticipate the failure to pay a premium.  In other words the company cannot comply with State Law notice requirements by simply telling an insured in the policy that if you don't pay the policy lapses, a notice must be sent.  However, insurance companies sometimes send notification to a wrong address, to the wrong person or not at all. 

Is the insurance company of someone who injured you telling you there is no coverage because the policy lapsed or was cancelled?  Are you are being told by your insurance company that your coverage lapsed or was cancelled? If you did not receive notice it is possible that the insurance company did not follow all of the rules when they "cancelled" the insurance.  Chris Faiella, a partner with the law firm of Tatlow, Gump & Faiella, LLC has helped clients fight insurance companies after they have been told a policy of a person who injured them was canceled and in cases where their own insurance company claimed a policy lapsed.  Our firm has been successful in securing recoveries for clients in these situations. If there was not proper notification of the cancellation of a policy by the insurance company then you may have a claim even if the company claims there is no insurance coverage.  

Speak with an Attorney

 Call toll free 1-800-264-3455 to speak with a Chris Faiella of the Law firm of Tatlow, Gump & Faiella, LLC about your Insurance Coverage claim when the Insurance Company did not provide proper notification of cancelation or lapse.