Insurance companies must handle your claims in good faith. This means they cannot unreasonably delay, deny, or underpay legitimate claims. You have the right to:

• • Prompt investigation of your claim within legally required timeframes
• • Clear written explanation of claim decisions
• • Fair settlement based on policy terms and actual damages
• • Appeal unfavorable decisions without penalty
• • Not be discriminated against based on protected characteristics

You have the right to understand exactly what your policy covers:

• • Receive complete and clear policy documentation before purchase
• • Know all exclusions and limitations in plain language
• • Understand how premiums are calculated and what affects them
• • Be informed of any policy changes before they take effect
• • Receive notification of rate increases with explanation
• • Access your claims history and underwriting file

If disputes arise, you have comprehensive legal options:

• • File complaints with your state insurance commissioner or department
• • Request mediation or arbitration to resolve disputes
• • Access state insurance guaranty funds if insurer becomes insolvent
• • Pursue legal action for bad faith practices
• • Seek damages for wrongful claim denial, including punitive damages
• • Join class action lawsuits against insurers for illegal practices
• • Hire an attorney or public adjuster to represent your interests

You maintain full control over your coverage:

• • Cancel your policy at any time without penalty
• • Receive pro-rata premium refunds for unused coverage
• • Free look period for new policies (typically 10-30 days)
• • Written notice from insurer before policy cancellation
• • Right to know reason for insurer-initiated cancellation
• • Change or modify coverage terms as needed

You have the right to clear and timely communication:

• • Receive timely notification of claim status and decisions
• • Request communication in your preferred language
• • Access to customer service representatives who can answer questions
• • Written explanation when claims are denied or reduced
• • Information about how to file complaints and appeals
• • Contact information for your state insurance commissioner

Your personal information and privacy are protected:

• • Your personal data cannot be shared without authorization
• • Right to know what personal information insurers have on file
• • Right to correct inaccurate information in your file
• • Protection against unauthorized investigation methods
• • Medical information cannot be disclosed without consent
• • Compliance with state and federal privacy laws (HIPAA, GLBA, CCPA, etc.)

Insurance companies cannot discriminate based on protected characteristics:

• • Race, color, national origin, or ethnicity
• • Gender, sexual orientation, or gender identity
• • Religion or creed
• • Disability status or genetic information
• • Age (within reasonable limits)
• • Military service or veteran status
• • Marital status (in many states)