Insurance disputes with insurance companies are a complex legal process. This is due to the large number of such cases, as well as to the considerable number of specialist lawyers on the insurance company's staff who are highly qualified and ready to pull through any case. Policyholders, on the other hand, are more often ordinary people who have no higher legal education and have probably never gone to court. They do not have complete legal information, so after purchasing an insurance policy they are hardly able to protect themselves against mistakes. Even less do they realise what consequences may arise in problematic situations when insured events occur.
Fundamentals of insurance law
Insurance law is understood as the body of rules regulating social relations between the insurer and the user of its services. Insurance is a relationship for protecting the interests of persons upon the occurrence of insured events. Compensation is paid from monetary funds made up of the premiums and contributions paid. An insurer can only be a licensed legal entity; it is a business that makes a profit.
Disputes arise when companies fail to perform, or improperly perform, their contractual terms or the requirements of the law. In such cases the rights of the service recipient are violated.
The most common causes of disputes
The most popular types of insurance are OSAGO (compulsory motor third-party liability insurance) and KASKO (comprehensive motor insurance). When claiming insurance compensation, the following problems may arise:
- an oral or written refusal to pay out money on the grounds that the client did not submit all the documents or missed the deadlines for submitting them under the insurance rules of the company concerned;
- the money was paid, but in a meagre amount – insufficient to carry out repairs, since the actual estimate is much higher, sometimes several times higher;
- delaying payment for economic reasons, or even with no explanation at all.
To resolve an insurance dispute in the citizen's favour, competent legal advice is important. We recommend turning to lawyers specialising in this field – and these are exactly the kind who work in our company. An insurance lawyer with extensive experience and high qualifications will help resolve any insurance dispute. Our specialists take on the responsibility of dealing with insurance companies, know all the necessary legal rules and have extensive experience in applying them in practice. Rest assured that you will win your court case.
Our duties include:
- oral and written consultations;
- assessment of the actions and decisions of organisations;
- legal resolution of the dispute;
- arranging an independent expert examination;
- negotiations with company representatives
- competent drafting of a claim letter to the insurance company;
- a professionally drafted statement of claim to the court;
- representing your side's interests in court;
- preparation of settlement agreements;
- appealing against the court decision;
- initiation of enforcement proceedings.
Our staff have complete knowledge of how to resolve insurance disputes and help even in difficult cases. Disputes are not a problem for us – we will help resolve them professionally and obtain payments for you.