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Excessive Denial of consumer Insurance Claims

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Xercor Insurance Services agent was very polite and very prompt in the turnaround time. Although my claim for $37 was denied.

The consumer should read the fine print All Xercor Policies note the Monthly Cost of Insurance Rates for each policy year will be based on coverage options available. While I cannot recall if Policies say that the rates can be adjusted for projected changes in rent increase of the storage facility owners.

Xercor does disclose cost but not list the factors for possible denials nor can I recall if All Xercor indicates in the policy or brochure if a claim has to start and max out at a certain amount. compute the Monthly Cost of Insurance Rates under the Policies. Second, while the Policies permit a separate Monthly Charge cost for example an extra $14 per month All Xercor, may not sure compute the Cost of Insurance Rates that are in excess of the Monthly Expense Charge permitted by the Policies .

Does the denial of a amount under $40 seem unfair yes .but did Xercor breached the covenant of good faith and fair dealing and converted monies belonging to policy owners by engaging in the aforementioned alleged conduct of denials .

Not sure but should a class action be considered. Maybe .Good Luck and Read the fine print.

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  • Convenient
  • Excessive denial of consumer insurance claims

Preferred solution: No Money .No Apology.

User's recommendation: Read The Fine Print. Assess whether the insurance is necessary.

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Charles R. Gallagher, an attorney and managing partner with Gallagher & Associates. His practice focuses on insurance litigation, foreclosure defense and consumer law.

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