Dating service consumer bill of rights single parents dating agencies online
AVISO: Este documento es un resumen de sus derechos como asegurado.
Usted tiene el derecho a llamar a su compañía y pedir una copia de estos derechos en español.
The company must provide you this offer in writing. Insurance companies may charge a fee for each installment.
Your initial down payment cannot exceed the cost of two months' coverage.
The company must notify you in writing of any settlement of a claim against you no later than the 30th day after the date of the settlement. In addition, you may refuse to provide your federal income tax records unless your insurer gets a court order or your claim involves lost income or a fire loss. If your suit prevails, you may recover economic damages, court costs and attorney and necessary expert witness fees.
If the court finds the insurance company knowingly violated your rights, it may award up to an additional ,000 per claimant.
If your agent, company, or adjuster tells you that one of these rights does not apply to you, contact TDI Consumer Protection at 1-800-252-3439 (512-463-6515 in Austin) (111-1A), P. This Bill of Rights does not address your responsibilities. You have the right to a toll-free number to call your insurance company free of charge with questions or complaints. An insurer or agent cannot require you to purchase liability limits greater than the limits required by law (20/40/15) or require you to purchase other types of coverage as a condition of offering insurance or continued insurance to you.
NOTE: You may be offered an installment loan through a premium finance company. If you authorize your insurer to withdraw your premium payments directly from your financial institution, your insurer cannot increase the amount withdrawn unless: This does not apply to premium increases specifically scheduled in the original policy, to increases based on policy changes you request, or to an increase that is less than or 10% of the previous month's payment. The insurer must provide the explanation before the effective date of the new or renewal policy.
These companies offer high-interest loans with fees and obligations that may be beyond those included in installment plans offered directly by insurance companies. An insurance company cannot reduce coverage during the policy period unless you request the change. Upon request, you have the right to be told in writing why you have been denied coverage.
This Bill of Rights is a summary of your rights and does not become a part of your policy.
The Texas Department of Insurance (TDI) adopted the Bill of Rights and requires insurance companies to provide you a copy when they issue your policy.