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Welcome
to Policyholders of America (“POA”).
We are a nonprofit association
serving policyholders unhappy with their insurers or the insurance
industry for reasons ranging from price gouging and credit scoring
to claims handling and payment problems.
Look no farther than your own state
insurance department and you will find the reason POA’s 3 million
members view our organization as a critically necessary public
service. Insurance departments rarely intervene in and resolve
claims, even when the insurer’s behavior is egregious. Complaints
logged with state insurance departments usually end up in the
circular file. Why? Because the fox is guarding the hen house.
Insurance commissioners usually come out of the insurance industry
and immediately upon leaving office, rejoin the industry. These men
and women rarely ever want to burn the bridge with their insurance
pals, rendering them completely impotent.
POA, on the other hand, advises and
arms policyholders with information that gets a legitimate claim
paid. We do so at no cost, allowing the policyholder to keep ALL of
the money owed them by the insurer. We do not encourage litigation
nor do we suggest hiring public adjusters because the policyholder
usually walks away with only a fraction of the recovery they deserve
under the policy.
POA is not your Grandma’s advocacy organization. Sometimes, our
strategies are unorthodox. But, we get results for our members.
POA is financed by membership fees
(from full members only) and from small donations from folks who
just want to help others. We do not allow into our membership any
vendor who might benefit from a policyholder’s claim and accept no
money from these benefactors. This may not help our financial
statement but it avoids conflicts of interest.
POA does have a free category of
membership which many members find is all they need to get their
claim paid. Only members (free and full members) will get help from
POA.
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From a legislative standpoint,
insurance companies have run roughshod over their customers. Many
legislators seem to have forgotten that the voting public, not the
industry, put them in office. POA provides a united and powerful
voting block in order that we oust elected officials who have
betrayed the policyholder and reward those who have proven their
loyalty to policyholders.
POA’s mission at
a glance:
Arm policyholders with information
that helps get their claims paid;
- Guide policyholders through
the claims process so they receive all benefits under the
policy;
- Lobby to limit the unfair
practice of credit scoring and put an end to CLUE reporting,
unfair claims delays and denials, premium price gouging, and
passing onto policyholders, via rate hikes, insurance-committed
bad faith penalties;
- Challenge elected and
appointed officials to establish a more even playing field so
that the “Appraisal Process”, a mechanism in most all policies,
offers the same consumer protections afforded in arbitration;
- Expose officials and/or
candidates who betray the public’s interest by contorting laws
and regulations favoring insurance companies and HMOs who
habitually violate insurance statutes; and
- Endorse officials and/or
candidates who are champions for the policyholder, share our
vision of fairness and help restore honor to an out-of-control
insurance industry.
POA is nonpartisan. We are not
afraid to praise and/or bash both sides of the aisle. And we do,
although in all fairness, Republicans tend to be love slaves to the
insurance industry so we tend to bash far more Republicans than
Democrats.
POA is a nonprofit 501c4. We are
not affiliated with any lawyer groups, vendors or public adjusters.
We exclusively serve the policyholder, no one else.
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POA NEWS FLASH
Ralph Nader does a lot of
complaining but nas never built a product he liked. POA challenges
the typical advocacy philosophies and is in the process of creating
several sponsored insurance plans: health, long term care, home,
auto and life insurance. We will be launching these plans beginning
in 2005 on a state by state basis.
These plans are underwritten by
financially sound, consumer-friendly companies who, unlike most in
the industry, want to provide great coverage at a fair price,
proving that you don’t have to rip-off the consumer to make a fair
profit.
Members of POA will not only have
access to better coverage at reasonable prices but will have the
power of the largest policyholder advocate standing behind the
coverage.
To be kept informed about this
great member benefit, join POA as a free or full member and click
here to sign up for email alerts. . Be sure that your spam filter
recognizes and accepts emails from
info@policyholdersofamerica.org
and that the email address that we have on file for you is current.
You can update your email address by going to this link:
https://www.policyholdersofamerica.org/secure/changemail.asp
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INDEPENDENT
MEDICAL EXAMS. Are they REALLY independent?
Need
PROOF of weather conditions for a claim? 
