Insurance companies often say one thing then do another. Most of the time, an insurance policy means what it says however, there are numerous reasons why you may be entitled to collect from an insurance policy despite what the company or the policy represents to you at the time you make a claim. As a result you should make sure that you know your legal rights and do not rely solely on the insurance company for your interpretation of the policy. It is critically important that you are aware that sometimes the policy language itself may not control. For instance if the language is confusing, vague or ambiguous your claim may be covered.
Consider also that sometimes part of the policy may be illegal under the law of your state. For example a personal automobile policy which includes uninsured motorist coverage for the policy holder. In many states, most every policy sold of this type, contains an anti-stacking clause which prevents a policy holder who owns more than one vehicle from stacking or collecting the policy limits for each uninsured motorist coverage. However, in many states the insured can stack uninsured motorist coverage. Therefore if you had four vehicles each with uninsured motorist coverage of $25,000.00 and you are injured by an uninsured motorist instead of being able to collect $25,000.00 you could collect up to $100,000.00 despite the anti-stacking clause. Relying on the insurance company to tell you what’s covered is not the smart move. So even if you have read your policy it is critically important for you to understand your rights. Simply reading the policy will not protect all of your rights and it is important that you inform yourself of those rights if you are making a claim under an insurance policy.