Press Release No. 2

The Law Offices of Mark S. Humphreys announces the settlement of another Credit Life & Disability policy.
In this case, Mark’s client purchased an automobile and as part of the purchase Mark’s client was offered the opportunity to purchase a ”’Credit Life & Disability” policy which would pay off his car in the event of his death or make the car payments in the event he became disabled and was unable to work. The client accepted the offer and purchased the policy.
Mark’s client suffered a disabling condition within a year and made a claim for benefits. The benefits were that the insurance company was to make the car payments until the disabling event ended. The insurance company denied the claim asserting that Mark’s client had made misrepresentations regarding his health at the time the policy was taken out.
In this case, Mark’s client had a carbon copy of the policy he had retained. Mark was able to show that the copy the insurance company had from the dealership had been changed/manipulated and that in fact Mark’s client had been truthful and it had to have been some person with the dealership or the insurance company who changed the answers on the application. This was not the first time Mark has caught someone playing games with an insurance application.
This was one of those cases where Mark was able to get his client’s benefits paid plus, two times those benefits as exemplary damages as part of the settlement.