Legal Question in Insurance Law in Louisiana

Re: Insurance company responsibility

The actual terms of the respective policies control the relationship and respective obligations of the parties. Consequently, without having an opportunity to review the policy terms and conditions, a proper evaluation can not be made. However, you should be aware of the the fact that ordinarily, unless clearly and expressly excluded under the terms of the old policy, medical expenses attributable to a covered injury sustained during the policy period will be covered even though those expenses are incurred after the policy expires. Closely review your old policy for terms that clearly and unambiguous state that the insurance companies duty to pay ceases upon the expiration of the policy. If no such language is contained in the policy, bring this to the attention of the insurance company with the admonition that you consider their misinterpretation of their own policy to constitute bad faith or alternatively, that the policy is ambiguous as a matter of law and will be construed against the drafter and in favor of coverage.