Luck was not with Jose Montes. He was hurt in a very serious motor accident. He was hospitalized for six weeks and spent 46 weeks at home recovering. Lucky for Mr. Montes he had purchased an accident insurance policy through agent Bank of America from insurer National Union Fire Insurance Company. Unlucky though because when he made claim for benefits under the policy his claim was denied. He believed that the insurance should have paid and that the exceptions to coverage were fraudulently … [Read more...]