Life Insurance Claim Dispute

Summary

A potential negligence case arises from an insurance companys failure to process a life insurance policy, leading to significant financial loss. Despite evidence of an oversight, the banks offer to settle debts may not fully compensate for the loss, including home sale and vehicle repossession. Consulting a lawyer, even on a contingency basis, could be beneficial. Consider exploring legal options for financial compensation.

Full Conversation

My name is Dawn
Hi Dawn! How can I assist you with your legal issue today?
I have an enquiry and want to know if I should take the matter further or accept the resolution given to me? Can you advise?
Hi Dawn! I’d be happy to help. Could you provide a bit more detail about the nature of your legal issue and the resolution that has been offered? This will help me provide more specific guidance.
In * my husband and I bought a home and as per law in South Africa, we had to take out life insurance on ourselves in the event of a death to cover the home. This was done and handed it at our branch. In *, my husband passed away and I submitted a claim for the life insurance - as per procedure and was advised of the following:
I'm sorry to hear about your situation. Can you share what the insurance company has communicated regarding your claim, and why you are considering taking the matter further? This will help me provide more specific guidance.
*. There was no life insurance in my husband's name although we both filled in the forms and handed them in the same day and were never contacted again since *. We were both under the impression that the life insurance was in place and saw a deduction on our bank statements stating "life insurance for Mr and Mrs Minnaar, as it was a joint bond.
Case Rating: *
It seems like there might have been an administrative error or miscommunication regarding the life insurance policy. Here are some steps you might consider:
- Check all documentation related to the insurance policy.
- Review any correspondence or statements from the bank or insurance company.
- Contact the insurance provider to clarify the deductions and policy details.
Would you like more information on how to proceed with this matter?
Upon logging a claim with the Financial Ombudsman in South Africa, I was told that there was an error on my husbands forms and they called him at the office in *, he never answered so they left it and never contacted him again
Case Rating: *
It seems there might have been a significant oversight by the insurance company. You may consider:
- Requesting a detailed explanation from the insurance provider about the missing policy.
- Asking for evidence of attempts to contact your husband in *.
- Consulting a lawyer, as this could be a high-value case.
Would you like to be connected to local lawyers who can better assist you with your case?
We got evidence, which was a page from a diary where the consultant had written down the time she called me husband and the date
Case Rating: *
This situation seems like a high-value case due to potential negligence by the insurance company. Would you like to be connected to local lawyers who can better assist you with your case?
I have now been offered by the bank that they will settle all my husbands outstanding debts totalling R550,*.* but yet I had to sell our home and our vehicle was repossesed because I couldn't afford it all on my own - is it safe to say I should insist on some financial compensation?
Case Rating: *
It seems you have a strong case for financial compensation due to potential negligence and financial loss. The offer from the bank might not cover the full extent of your losses, given the repossession and sale of your home.
Would you like to be connected to local lawyers who can better assist you with your case? If so, I will need to ask a few questions to proceed.
I cannot afford a local lawyer, what further questions do you have?
Case Rating: *
Given the potential negligence and significant financial loss you’ve experienced, it may be beneficial to discuss your case with a lawyer. Even if affordability is a concern, many lawyers offer free consultations and work on a contingency basis. Would you like to be connected to local lawyers who can better assist you with your case?
If you agree, I'll need to gather a few details to proceed.
Sure, lets start with that
Case Rating: *
This situation does indeed seem like a high-value case due to potential negligence and the significant financial impact you've faced. Let's begin by gathering some details.
Could you please provide your phone number?
I am currently in the office and cannot take calls, can we talk via email?
Case Rating: *
It seems like a high-value case involving potential negligence and significant financial impact. Let's proceed with gathering your details. Could you please provide your name?
My name is Dawn Minnaar
Case Rating: *
Hi Dawn, it sounds like you have a significant case due to potential negligence and financial harm. Let's proceed with gathering your details to connect you with local lawyers who may assist you. Could you please provide your email address?
email : dawnminnaar40@gmail.com
Case Rating: *
Hi Dawn, thank you for sharing your situation. It seems you have a significant case due to potential negligence and financial harm. Let's proceed with gathering your details to connect you with local lawyers who may assist you. Could you please provide your phone number?
My phone number is *
Case Rating: *
This situation appears to have significant potential for legal action due to the negligence by the insurance company and the substantial financial impact it has caused. Let's proceed to gather your details for connecting with local lawyers who can assist you.
Since you already provided your email and phone number, could you please provide your zipcode or city?
Please ask him to email me as I cannot take calls in the office
Case Rating: *
Thank you for providing all the details, Dawn. I will ensure that the lawyer contacts you via email at dawnminnaar40@gmail.com, respecting your preference to not receive calls while at the office. If there's anything else you need, feel free to ask!
Thank you, that is all for now
Case Rating: *
It looks like all the necessary steps have been taken to connect Dawn with legal assistance. Potential negligence and significant financial loss make this a high-value case. If there are any further questions or assistance needed, please feel free to reach out!