How can i claim from my insurance co for dental work required as a result of a broken chin?
Hi - when on a trip to Bolivia in February '09, i was within a cycling accident which resulted in me breaking my cheek in 4 places and breaking a number of final teeth. I was in hospital for a week and have an operation to fix my jaw. Because i wasn't physically able to stretch out my mouth for the dentist to repair the damage done this work was not carried out. The insurance company i am near informed me they would cover the costs of ALL work required. After a week they advised i travel back to Ireland (as travelling on would miserable they wouldn't cover me for any additional damage i might do to myself) On travelling home i visit my dentist however as my jaw remained to be wired shut there wasn't anything he could do to give support to. He advised in writing that i should take treatment as soon as i arrived in Sydney. I visited a dentist on numerous occasion since arriving in Sydney and he drafted up a dental report stating quite clearly what work i require, adjectives of which is as a result of my cycling accident. When i mentioned this to my insurance company they kept saying because i travelled home this concluded the cover on my policy. I have been trying to argue the point i one and only travelled home becuase that is what they told me to do - but that they had already agreed to cover ALL costs (they be aware at the time that i required extensive dental treatment) The dentist in Sydney has estimated this is going to cost surrounded by excess of $35,000 to repair (broken roots etc...). What are my entitlements here? Although i travelled home - because of the nature of this case am i entitled to seize the insurance company to cover my treatment?
"> I have no idea. Unless you own something in writing though I suspect you are going to have a difficult baggage convincing the court that you are entitled to treatment. You probably should find your insurance agreement and read that first. Then I would consult a lawyer who knows in the region of this topic.
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"> I have no idea. Unless you own something in writing though I suspect you are going to have a difficult baggage convincing the court that you are entitled to treatment. You probably should find your insurance agreement and read that first. Then I would consult a lawyer who knows in the region of this topic.
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