A SECRET TOOL FOR RESOLVING INSURANCE COVERAGE AND CLAIMS DISPUTES By Bill Wilson Founder at InsuranceCommentary.com
In my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” I give many examples of how I’ve been able to get initially denied claims paid by referring to authoritative interpretive sources. In several of these claims, the source of the information was the actual regulatory filing that addressed the policy provision cited as the basis for the denial. So, how do you get access to these filings? The answer can be found in an online National Association of Insurance Commissioners tool called “SERFF, ” the NAIC’s System for Electronic Rates and Forms Filing. Here you can find filings from advisory organizations like ISO and AAIS or individual insurer filings over the past decade. The problem I have always had with the
