Commercial Arbitration Rules vs. Consumer Arbitration Rules #20
Description
The choice of the Commercial Arbitration Rules rather than the Consumer Arbitration Rules seems unusually hostile to consumer policyholders given the policy's attempt to be consumer friendly, and the commercial rules are not very well suited to a controversy of the type likely to arise under this policy.
A claim under the Commercial Arbitration Rules, for example, carries a minimum filing fee is $925, whereas the Consumer Arbitration Rules carry a minimum (and maximum) filing fee of $200. The commercial rules are also more complex and generally lead to higher-fee options/outcomes, which is great if you're an insurance company but not so great if you're an average joe.