Insurance companies tend to refuse to pay compensation under any pretext, and our legislation, unfortunately, does not ensure the execution of concluded insurance contracts. Therefore, those who do not agree with the refusal of the insurance company to pay or the amount of payment, there is only one way out: to dispute the insured event in court. However, if the amount is small, people are more likely to put up with the decision to refuse and make no further attempts to get payment.
It is necessary
A lawyer specializing in insurance disputes
Instructions
Step 1
When concluding a contract with an insurance company, the client rarely carefully studies it, and in fact there are indicated the reasons why the insurance company may refuse to pay. For example, if the insured event occurs due to military action, flood, nuclear explosion, radioactive contamination and similar force majeure circumstances. Almost all contracts contain a clause in which the terms are written during which the company must be notified of the occurrence of an insured event. And also if it is established that the insured event occurs due to the intent of the policyholder. There are quite a lot of possible reasons and one of them usually covers every second insured event.
Step 2
Even if the insurance company agrees to fulfill its obligations, then very often there are delays in payments. Everything seems to be fine, but the funds are not transferred for the insured event. And it can drag on for months. During the time while the funds are with the insurance company, the client could receive interest on the deposit or another kind of profit, on the basis of this it is necessary to present a claim to the insurer and file a claim with the court. The court may regard the company's actions as fraudulent. Some insurance companies include in the contract the amount of interest in case of violation of the terms of payments, in addition, the client has the right to demand compensation due to inflation.
Step 3
If the insurance company refused to pay, it is necessary to objectively assess the chances of success when going to court. First of all, you should consult with a lawyer who specializes in insurance disputes. All available documents must be handed over to a lawyer, including a written waiver of payment, insurance rules, insurance policy, copies of all statements and correspondence with the insurance company.
Step 4
If there is a disagreement between the insurer and the policyholder regarding the amount of monetary compensation, it is better to receive the amount due, and only after that contact a lawyer to clarify how this payment is adequate to the damage caused. If the difference is small, then it makes no sense to go to court.
