Dealing with insurance companies can be difficult and daunting.

Month after month, customers pay premiums to protect their vehicles, health and homes. And when the time comes to make a claim, the same customers cut their way through miles of red tape only to be denied or offered much less than the amount that would make them whole.

Now, an organization spearheading healthcare reform is drawing attention to the perceived practices of insurance companies in a humorous way. On July 19, 2008, Health Care For America Now released a video titled "Insurance Company Rules" via YouTube. The clip depicts chess players, tennis players, poker players and others who call out "insurance company rules," then proceed to break the rules to gain an advantage.

"Insurance companies re-write the rules as they go along to win every time," states a voiceover announcer as one golfer tries to prevent another from putting using basketball-style defense.

With the spot HCAN (Health Care For America Now) seems to calling out insurance providers for the hidden rules to keep customers from the coverage they think they're paying for. Formed in 2008, HCAN considers "...the insurance industry as the chief villain in the story of America's health insurance crisis."

The group supports the kind of legislation being pursued by President Barack Obama that would mandate healthcare for all Americans.

As advocates for injured clients, the Indiana injury attorneys of Keller & Keller are experts in dealing with insurance companies. Being successful on behalf of our clients means that we must communicate directly with insurance companies every day.

Whether it's regarding issues related to property damage, or our client's personal injuries, conversation with an insurance company can be a Herculean task. In fact, many clients initially contact lawyers out of the absolute frustration they experienced when trying to deal with an insurance company after their accident.

The knowledge gained by Keller & Keller attorneys since 1936 means they can cut through the chatter of claims adjusters and determine what is contractually obligated under a policy. Consumers who don't know the ins and outs of insurance or law might find themselves overwhelmed, but a qualified lawyer won't be vulnerable to the kind of sneak attacks depicted in the HCAN video.

"You don't know insurance company rules?" one tennis player asks another, after using a throwing star during a point. "They're so sweet! I get to change the rules whenever I want, however I want."

The video has been viewed more than 150,000 times. And while its creators used humor as a tool to make their point, "Insurance Company Rules" makes a sincere statement about how customers regard insurance providers that will hopefully fuel the debate going forward.


If you're getting the runaround from an insurance company, the experienced injury attorneys of Keller & Keller can help. Contact us today for a free consultation.

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