Legal Question in Insurance Law in Pennsylvania

My husband and I have both disability and cancer insurance through a company which we've had since 2007. I have asked the company for copies of our policies, which they then direct me to their web site, which you are never able to print from. When I call back they state that all policies are just samples. My beef is that when we bought the cancer insurance a few years ago, we were told that we (a famly of 4) would be locked in at that price forever. Yesterday I recieved a letter stating that due to numerous claims (not from us), they would have to raise our premium. I called and got no where. They said it stated on page one of our policy that they could raise rates at any time, which I told her we have vever seen our policy because they won't give us a copy. She said she would order a duplicate for us. I've heard this before and have yet to see one. Do I have a right to file a class action suit for ALL of our premiums back from both policies as apparently they have not been forthright in answering any of my questions??


Asked on 7/26/11, 10:42 am

2 Answers from Attorneys
Andrew Solomon Law Office of Andrew A. Solomon

I would call the Pennsylvania Insurance Commission, first to determine that the company is licensed to operate in PA and second, to file a complain against this insurance company for not providing you with information that they are legally required to provide. When it comes it to so called "cancer insurance" there are a lot of bogus insurance companies who exist solely to collect premiums and will not pay if a claim is ever made. If this is the case, you should consult an attorney about bringing a suit to recover the premiums you paid in the past. You can probably find out online if the company is licensed in PA by locating the Pa. Insurance Commission's website.

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Answered on 7/26/11, 2:06 pm
Andrew Solomon Law Office of Andrew A. Solomon

As a follow up to my previous answer, you can determine if the company is licensed in PA by going to the following web site: http://www.insurance.state.pa.us/dsf/gfsearch.html

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Answered on 7/26/11, 2:09 pm


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