disputed coverage
[dɪˈspjuːtɪd ˈkʌvərɪdʒ]
nounpl: disputed coverages
cobertura contestada
1. An insurance claim or policy provision that is subject to disagreement between the insurer and the insured regarding whether the claim is covered under the terms of the policy
The policyholder filed a claim for water damage, but it resulted in disputed coverage because the insurer argued the damage was due to lack of maintenance.
O segurado apresentou uma reclamação por danos causados pela água, mas resultou em cobertura contestada porque a seguradora argumentou que os danos foram devido à falta de manutenção.
2. A situation where there is disagreement about whether an insurance policy covers a particular loss, claim, or event
The accident resulted in disputed coverage as both parties debated whether the driver was using the vehicle for commercial purposes.
O acidente resultou em cobertura contestada enquanto ambas as partes debatiam se o motorista estava usando o veículo para fins comerciais.
In both US and Brazilian insurance contexts, disputed coverage is a critical issue that often leads to legal disputes and can significantly impact consumer-insurer relationships. In Brazil, there has been increasing consumer protection legislation (like the CDC - Código de Defesa do Consumidor) that often favors the insured in disputed coverage cases. In the USA, disputed coverage disputes frequently end up in litigation and are heavily regulated by state insurance commissioners.
NYC Slang
beef over coverage
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