At the time of our original claim submission we were provided with a summary of their independent experts findings and advised of further steps to fulfill before they would re-consider our claim.
Their summary, however, omitted the part about their experts concerns and the fact that certain information was not provided.
If we had got the full report summary at the time , we could have addressed the issue.
The concerns expressed by their expert in relation to some incomplete information were only notified much later, after our cover had expired and we were appealing their decision, leaving us no opportunity to provide the information. The insurance company had the information available to them in another one of our exper's reports and failed to address the concern of their expert and provide this information to him.
Surely ,if the insurance company were providing us summary of their independent expert's analysis, should all of these points from their experts not been presented to us.
Can they legitimaley withold information from us and only provide us with points that suit their cause in their summary?