Summary:
This article looks at one man’s fight to claim on his dual life insurance policy, that he had with his wife. They refused the claim due to a disagreement on whether she smoked or not.
Insurance Company Tries to Get Out Of Pay Out
When a loved dies, especially in a tragic accident, you do not expect the pain of your loss to be made worse by your insurance company.
This is what happened to David Webb, who was left to raise his two year old daughter on his own, after his wife was killed when a suicidal motorist deliberately drove his car into theirs.
Mr and Mrs Webb, from Letchworth, Hertfordshire, and their daughter Samantha had been driving on the A1 in December 2004 when their car was rammed by 19-year-old Charles Brown.
Driving the wrong way at 90mph, he was trying to kill himself after being dumped by his girlfriend.
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Brown, of Langford, Bedfordshire, was only injured in the crash and was later given a ten-year jail sentence after admitting manslaughter.
The devastated electrician knew his 29-year-old wife Sarah could never be replaced, but he hoped that claiming on their dual life insurance policy would at least help him to meet the costs of suddenly becoming a lone parent.
But Mr Webb was left shattered when Legal & General refused the claim. This was due to a dispute over whether or not charity worker MrsWebb had been a smoker.
The insurance company said that when she filled out the insurance form she had indicated that she was not a smoker. However, a contradictory entry on her medical records was found.
When the form was filled out in 2001 Mrs Webb had given up smoking as they were planning to start a family.
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