Issues with insurers - the 4 most common cases

Issues with insurers - the 4 most common cases

 

I can not imagine that there may be someone who has never entered into a relationship with an insurance company for one reason or another. Most often, when we talk about insurance, we present property insurance and, in particular, that of cars. The subject of compulsory and voluntary motor insurance is very widely discussed and it is not by accident. With regard to Motor Third Party Liability and AutoCafe, problems with insurers are most often encountered in various directions. However, it is not uncommon for personal insurance, such as health insurance when traveling abroad. Here are some of the most common case studies in the relationship with insurers:

 

1. Non-payment of full Casco insurance benefit

These are the most common problems with insurers. Do you crash and hit the car unintentionally. You have to fix it. Alas, sometimes it's happening, but you're calm, because at least you made "Autocasco" and you hope that the repair will only take time, but not money. You fix the car, pay the repair, carry the insurer's invoice and ... a beam. The insurance company to which you are a client refuses to pay you the full amount, and offers you something much less in size. Okay, but there's a limit on insurance that's bigger, your expenses are actually made, and everything is all right. Why is this happening?

 

There are many reasons why an insurer may refuse to pay the full amount of the amount claimed by you. In the first place, it can be argued that even if the car is actually repaired for so much money, the real value of the damage is different. This is especially true for older cars (such as those over 7 years old) where the law (in this case Ordinance, but this is without significance) says that only 50% of the value of the damage is paid. On the other hand, it is possible that the procedure for the declaration of damages may not be respected. Insurers work with trusted repairers and are willing to recognize the costs incurred by them. If you do the repair in another workshop, it may be necessary to make ex-post evaluations, expertise, etc.

 

In order to avoid these problems, it is important to get familiar with what happens and what you need to do when an insurance event occurs. Remember where you should call and what documents to present. Always follow the procedure described.

 

problems with insurers

 

2. Refusal to pay compensation in civil liability

Some other popular issues with insurers. Let's now move on the reverse side of the crash. This time you're not the guilty driver, but there's damage to your car. They are not serious, so together with the other participant in the accident, you compile a bilateral protocol provided by his insurer on Third Party Liability Insurance. You repair the damage and you ask the insurer of the guilty driver to cover your damages. And here are the problems and bargains ...

 

Sometimes the insurer refuses to pay at all, on the pretext that the procedure laid down in the law has not been complied with. For example, you signed a two-way protocol, and you had to call the traffic police. On the other hand, the insurance company claims that the amounts claimed do not correspond to reality and offer less.

 

What do you have to do in this situation? Should you accept the insurer's proposal because "better than nothing"? The answer is no. You hire an attorney, preferably experienced in insurance cases, and you're starting to look for your rights. If necessary, you can go to court. The vast majority of cases brought against insurers end in favor of the plaintiff, so do not worry about this step. Very often, the insurance company just relies on you to agree and you will not take any action, especially when you are quoted from laws, regulations, etc. But you are in your right.

 

3. Insurer asks you to pay a Civil Liability Compensation

We are returning to the situation in which you have caused the crash. Problems for the driver whose vehicle you have damaged have been overcome and your Civil Liability insurer has paid the damages suffered. Okay, it's all right, you say. However, this is the point of this insurance. In a good moment, however, you understand that the insurance company wants you to pay him the equivalent of what he paid for the insurance. Not only that, but even before you there is a lawsuit. Why is this happening?

 

The law, in particular the Insurance Code, entitles the insurer, under certain conditions, to ask the guilty driver to reimburse him the indemnity paid under the Third Party Liability Insurance. The most common case is when using alcohol. Caused crashes, traffic police officers have arrived on the ground and found to have been driving with a concentration of alcohol in the blood above what is permitted by law. Yes,