Insurance Claims
Receiving insurance compensation after an accident is one of the key stages of restoring your car and compensating for damages. However, sometimes insurance companies delay or refuse payments, which puts victims in a difficult situation. In this article, we will consider how to act in such cases, what steps to take to protect your rights and what services the lawyers of the “Consultant” service provide to resolve problems with insurance compensation. Insurance lawyers provide professional assistance in resolving disputes with insurance companies and ensuring receipt of insurance payments after an accident.
Question
Can I appeal a refusal of insurance payment?
Answer
Yes, a refusal of insurance payment can be appealed through the court, to the National Commission for State Regulation in the Field of Financial Services Markets or to the Motor (Transport) Insurance Bureau of Ukraine.
Question
What documents are required to appeal a refusal?
Answer
To appeal, you will need: a policy, a report on the accident, a damage assessment, correspondence with the insurance company and other evidence.
An appeal to the National Commission for State Regulation of Financial Services Markets and the Motor (Transport) Insurance Bureau of Ukraine is not aimed at directly collecting funds from the insurance company, but at influencing and encouraging this company to pay insurance compensation. In case of unjustified refusal to pay, fines or other sanctions may be applied, including deprivation of membership in the Motor (Transport) Insurance Bureau of Ukraine, which will limit the company's ability to provide compulsory third-party liability insurance for vehicle owners in the future.
An appeal to the insurance company is the first step to obtaining insurance compensation after an accident.
If the insurance company refuses to pay compensation, the victim can apply to the Motor (Transport) Insurance Bureau of Ukraine for a scheduled payment.
In case of unsuccessful attempts to receive payment, it is worth filing a lawsuit in court to collect insurance compensation.
Protection of rights in case of a road accident: key aspects
Main steps to protect your rights:
- Appeal to the insurance company. The first step is to appeal to the insurance company with a request to pay insurance compensation. If the insurance company refuses or delays payment, you need to act further.
- Appealing the refusal to pay. In the event of a refusal to pay insurance compensation, the injured party has the right to appeal the insurance company's decision through the court or the National Commission for State Regulation of Financial Services Markets. This allows you to protect your rights and receive compensation.
Judicial protection of rights. If the insurance company does not fulfill its obligations, the injured party can file a lawsuit in court to collect insurance compensation. Legal protection in case of a road accident includes preparing a statement of claim, collecting evidence and representing interests in court.
Step-by-step steps to receive insurance compensation:
- Collecting documents. Get an accident report, a diagram of the scene of the accident, and other primary documents. Take photos and videos of the accident scene and car damage.
Applying to the insurance company. Send an application for insurance compensation to the insurance company. Attach all necessary documents to the application, including the accident report and damage assessment.
- Waiting for the insurance company's decision. The insurance company must consider your application and make a decision on payment within the period established by law.
Appealing against the refusal to pay. If the insurance company refuses to pay or delays the process, file a complaint with the National Commission for State Regulation of Financial Services Markets or file a lawsuit in court.
- Preparing for the trial. Collect all necessary evidence, including correspondence with the insurance company, damage assessment, and other documents. Hire a lawyer to professionally defend your interests in court.
Attending the court hearing. Present your evidence and arguments in support of your claim. Wait for a court decision, which may include the recovery of insurance compensation.
An insurance lawyer specializes in resolving disputes between clients and insurance companies, in particular regarding compensation for damages after a road accident and other insurance cases.
Services of lawyers of the “Consultant” service
Lawyers of the “Consultant” service provide comprehensive assistance in cases related to insurance compensation after a road accident, including:
- Consultations on the protection of rights in the event of a road accident.
Our specialists will help you understand the nuances of the case and provide recommendations.
- Preparation of documents for obtaining insurance compensation.
We will help you draw up all the necessary documents to obtain compensation.
- Representation of interests in court.
Our lawyers will accompany you at all stages of the legal process.
Assistance in collecting evidence.
We will organize an independent examination and help collect all the necessary evidence.
A road accident lawyer helps victims receive fair compensation by providing legal advice and protecting the interests of clients in disputes with insurance companies.
If the insurance company does not pay insurance compensation after a road accident, this does not mean that you will be left without compensation. Protection of rights in the event of a road accident is possible by contacting the insurance company, appealing the refusal to pay, or filing a lawsuit. The lawyers of the “Consultant” service will provide you with professional assistance at all stages of resolving the case, ensuring maximum protection of your interests.
