Disputes with Insurance Companies

Today you can hear advertisements from insurance companies in all kinds of media offering their services so you can sleep peacefully. But what should you do when your insurer does not fulfill the obligations it accepted? Of course, you need to clarify the problematic issues related to their non-performance (or improper performance) of the insurance contract terms, as well as non-compliance with applicable law. Contracts may include: life or health insurance, property insurance, mortgage insurance, compulsory liability insurance, voluntary motor insurance, cargo insurance, and travel insurance for the duration of trips.

If the insurance company still refuses to pay, you should submit a formal claim to it. After that, if the payment is still not made, you must go to court to protect your rights. It is advisable that a lawyer represent your interests in court, because only a specialist with experience in this field can properly defend you. Legal services are necessary when going to court.

Lawyers can assist you if more than one month has passed since you submitted all the documents and the insurer has taken no steps to pay the claim. They can also help if the insurer's staff refuse to accept your claim documents at all, or if the insurance company has understated the amounts due or miscalculated the amount of the insurance compensation.

There are cases when an insurer may try to impose a damage assessment carried out by an appraiser close to them; in such cases it is also advisable to consult a lawyer.

But most often insurers refuse to pay compensation for losses that occurred as a result of road traffic accidents, usually arguing that the damage occurred for other reasons, possibly as a result of another accident, or that the nature of the damage does not correspond to the circumstances of the traffic accident. They may also claim they were not notified of the accident in time, assert that no accident occurred at all, or allege that the driver was intoxicated.

That is by no means a complete list of reasons — there are many more. A lawyer will help you deal with any of them. A consultation with a lawyer will clarify the situation for you and you will understand how to act in each particular case. If you cannot succeed on your own, a lawyer will prove your case in court and help you obtain the insurance payment.