Practice Areas
Blog 
Consumer Class Action Lawsuits
- Do Fall River Residents Billed By MassDOT for Railroad Use Owe the State?
- What is a lawsuit?
- Overdraft Fee Class Actions Help Consumers
- Bank Overdraft Fees in Massachusetts Will Not Stop with New Opt-in Rules
- Nevada Homeowners Sue Bank of America; Seek Class Action Status
- Bank of America Settles Mortgage Fee Case with FTC for $108 Million
- Toyota Allegedly Sought to Discredit Witnesses
- Toyota Financial Services Remains in Toyota Recall Lawsuit
- Toyota Financial Services Credit Rating Cut by Moody's
- Toyota Motor Credit Corp Added to Class Action by Massachusetts Couple
News
- Posted on 6/9/2011Employee Collects Triple Damages After Boston Business Violates Wage Law
- Posted on 3/12/20102000-2003 Toyota Tundra Recall Is Now Nationwide
- Posted on 3/3/2010Toyota Didn’t Properly Investigate Death Involving Acceleration Issue
- Posted on 3/2/2010Medford Man Sues Toyota After Wife Dies in Single-Car Accident
- Posted on 2/26/2010Credit Card Companies Can Still Profit Off Of Unsuspecting Consumers
Library
Testimonials
- "I sent this letter certified after receiving the free guide [from] Phillips & Garcia P.C. Saved Foreclosure. Thanks a million!" A.D. from Colorado
- After seeing first hand what you are up against concerning the big banking companies, we are even more amazed that you are willing to fight the fight. The little guy needs your help and your fearless attitude. You are good people and true Americans. We are honored to be called your friends. R.R. - Mich., Lockout & Trashout Victim
- The attorneys were very professional and I felt as though they always had my best interest in mind. Without them I would have been pushed around and just another number to the bank. N.L., Wrongful Lockout Victim
- Thank you Mr. Phillips. If we hadn't found you the [Bank] would have foreclosed on our property and I can't imagine the misery that they would have caused. S.N. - Arizona
Cancellation of Insurance May Violate Your Rights (Part A)
One of the ways health insurance companies will try to avoid paying your claim is through a retroactive cancellation of insurance. This practice, which is also known as rescission, is prohibited by law, and can leave you sick, helpless, uninsured, and with tremendous medical debts.
How does rescission work?
Rescission is when an insurer cancels your health insurance policy because you failed to disclose a pre-existing condition. But insurance companies have been known to use this practice to avoid paying costly claims. In these cases, an insurer will nit-pick at your medical history to find any unmentioned medical conditions, and then use accusations of fraud to deny you the money you deserve.
How do I avoid a cancellation of insurance policy?
The most important thing to do when applying for your health insurance is to list your medical history in detail. Be truthful and tell them anything that may have future health implications. If you omit facts or misrepresent them, you may be accused of fraud, in which case a cancellation of insurance policy is within an insurance company's rights.
When applying, you will want to mention:
- Any past diagnosis, including all of the specifics
- Any pre-existing conditions, such as health problems, birth defects, diseases, and so on
- Any family history of diagnoses that might implicate hereditary disease
If you have any questions or doubts about a disclosure, clarify it with your insurance company. You need to be sure that you submit all your information correctly and completely.
Continue to Next Page >>
Contact Information
Let our legal experts review your case, and we'll help you obtain the compensation you deserve. Begin your case review by filling out the form below:
Phillips & Garcia, P.C.
13 Ventura Drive
North Dartmouth, MA 02747
Toll Free: (888) 449-5343
Get Directions
