If you are unhappy with a decision made by Morgan White, there is an official process you can follow to resolve disputes. This will involve gathering documents and supporting evidence in an official statement to the insurer. Read on to learn what to do in this situation.
The procedure by which an insured person can dispute an insurance company's ruling is outlined in the Terms and Conditions of your insurance policy.
Disputes and legal actions
According to Morgan White, the parties involved (you and the insurer) agree that "any and all disputes, claims, or controversies arising out of or relating to your Certificate of coverage [the insurance policy], or its alleged breach, that are not resolved by the parties hereon, shall be submitted to final and binding arbitration. Such arbitration shall be conducted in the City of Miami, Florida, U.S.A., in accordance with Commercial Arbitration Rules of the American Arbitration Association and judgment on any award rendered in such arbitration may be entered in any state or federal court in such City."
Binding arbitration, conducted in Miami, will be the final remedy of the dispute. Both parties will agree to the outcome of the federal court decision.
In any disputes or controversies brought to the court, they will notify the insured party about the arbitration process by personal delivery or registered mail or via courier to the insurance company's administrator and to the insured individual at the most current address that the insurance company has on file for you.
The insured individual who wishes to proceed to arbitration to resolve a which brought about the dispute, controversy, or claim must file a request to Morgan White for arbitration within one hundred and eighty (180) days of the event in question. (Read our article about how to contact Morgan White.)
"Failure of the Insured to give such notice to the Company within the one hundred and eighty (180) day period will relieve the Company of any and all liability for the dispute, claim or controversy. The Company liability in any such arbitration shall be limited to such amounts that are specified under this Certificate, with such interest thereon and such costs of the arbitration proceeding, if any, as the arbitrators may direct. In no event, shall the Company be liable for any extra-contractual damages, whether characterized, without limitation, as consequential, exemplary, punitive or tort damages, for any disputes, claims or controversies arising out of or relating to this Certificate."
Help is available
If you need support in your dispute with an insurer, reach out to Expat Insurance at firstname.lastname@example.org