The occurrence of this or that insured event itself is not a pleasant event. And if at the same time you had to face the reluctance of the insurance company to pay for the losses incurred by you, the situation only gets worse. How right are insurers who refuse to pay, and are there ways to defend their interests?
When applying for an insurance payment, one must be aware that most of the refusals of insurance companies are calculated on the client's legal illiteracy and his unwillingness to defend his interests. Of course, it should not be denied that refusals in insurance payments are justified, but such situations are much less common.
Based on an understanding of this fact, your task is to familiarize yourself in detail with the details of the insurance contract. Moreover, it is better to do this in advance, and not when it comes to the issue of payment. You must have a clear idea of the sequence of your actions in the event of an insurance situation, a list of insurance situations as such, and also know what documents and in what time frame must be provided to the insurer in order not to face problems when receiving payments.
If the situation falls into the category of insurance, and you acted within the framework of an insurance contract, there should be no difficulties in obtaining insurance.
When receiving a refusal from the insurer, be sure to document this fact. Having in your hands an official refusal to pay, it will be much easier for you to assert your rights.
It is worth starting with a claim directly to the insurance company, in which the groundlessness of the refusal should be emphasized in accordance with the current insurance contract. Submit your claim in writing, register the fact of its acceptance by the insurance company.
If the complaint did not work, there are a number of state institutions to help you, whose task is to protect your violated rights. Skepticism should be tempered right away - the influence of state authorities resolves most disputes over unjustified refusals to pay.
It makes sense to contact the Society for the Protection of Consumer Rights. Make a written statement, register, and attach copies of documents confirming the violation of rights. A check will be sent to the violators, following the results of which you will be informed.
Additionally, you can file a complaint with your local insurance supervision office. Make a complaint in the same way as a complaint sent to the insurance company.
If all your actions did not force the insurance company to pay the funds owed to you, the only solution remains - a statement of claim in court. Immediately, we note that when you go to court with a claim, you should resort to the support of a qualified lawyer, since in such cases there are many subtleties unknown to the layman. It should also be understood that the trial will not end quickly, so it is necessary to assess the rationality of its beginning. In practice, litigation is resorted to when it comes to fairly serious amounts of payments.
