I was solicited via telephone in 2 by my mortgage company, Ocwen Loan Servicing FSB or maybe the call came from AIG themselves, anyway:
I was offered a "Blanket Accident Insurance Policy" for being such a great customer of Ocwen.
The cost $14.95/mo added onto my monthly mortgage obligation.
Description: when sold I was informed that even if i "stub my toe in my own driveway" i am covered. I did not work, they said no problem. This is for anyone to protect you. All I needed was a note from my doctor/ER and make all claims timely.
Benefits: max payout $1,000, 000 @ 10K/mo plus home care benefits.
My Accident: 2/25/09 i fell in my home. Fractured right shoulder and broke my arm in three places, hairline fractures in right knee and ankle.
Denial: AIG who holds my policy/underwritten by National Union Fire Ins.Co. Of Pittsburgh, PA said no dismemberment occured. So no benefits. I have read over and over the description of coverage and it is confusing. But I stood my ground and wrote the ins.com.in my state=usless, then i wrote a letter to reconsider and they wrote back that they don't see it my way.
I have finially found and attorney to represent me and file a class action law suit.
We are looking for people who have suffered the same. Email me for info.
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