Is there any legal recourse for being dropped for nothing other than making a few legitimate claims over 12 years?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 1, 2014

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Insurance Question from Springfield, MO

Asked on 07/01/2014

Is there any legal recourse for being dropped for nothing other than making a few legitimate claims over 12 years? The reason this matters is one, my agent says he's never seen anyone dropped for these types of claims at such low amounts, and two, now I'm looking at a deductible three times what I'm getting now. They refuse to talk to me. I was never made aware of these conditions when I signed up for the policy. I want to be compensated for this mess.

Answer given on July 30, 2014

Each insurance company has its own standards for maintaining insurance coverage for its clients.Even though you have been a client for 12 years with the same insurance company, it appears that you have had multiple claims. This alone can cause an insurance company to non renew your policy. You indicate the claims are of low amounts. This too raises a red flag with the insurance company and causes concern that you file a claim for small amounts. While insurance covers these claims, the insurance company looks upon them as nuisance claims. Your insurance company may withdraw the non renewal of the policy if you agree to a higher deductible. They will feel that there will not continue to be small claims filed with the higher deductible.Your insurance agent should have consulted with you over the years as you filed these smaller claims. They should have known that a history of claims like those would draw the attention of the insurance company. While your agent cannot tell you not to report a claim, they can advise you on the pros and cons of doing so.

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