Insurance Law | Law office “Zdravkov”
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Insurance law
Insurance law
Insurance law regulates the activities of insurers, reinsurers and insurance intermediaries. The legislator provides regulations for compulsory insurances, as well as minimum guarantees regarding voluntary insurances.
Our lawyers have extensive experience and excellent results in the field of insurance law. Our team has participated in the resolution of insurance disputes for tens of millions of BGN. You can turn to us if you need a good insurance lawyer.
The team of the “ZDRAVKOV” law office specializes in the field of insurance law and provides high-quality legal services to its clients. We have extensive experience in resolving disputes related to insurance contracts and benefits, always striving to achieve the best results for our clients.
You can get advice and assistance from our team regarding:
Resolution of disputes with insurers on a voluntary basis;
Negotiations to determine the amount of compensation in case of accident;
Filing a case to determine the amount of compensation in case of accident;
Assistance in obtaining compensation under "Casco" insurance, including in case of refusal under casco;
Assistance in obtaining compensation under "Property" insurance;
Assistance in obtaining compensation under "Civil Liability" insurance;
Assistance in obtaining compensation/insurance amount under "Accident" insurance;
Assistance in obtaining payment under Life Insurance;
Assistance in obtaining payment under "Life of borrowers" insurance;
Defense and representation against claims of insurance companies;
Frequently Asked Questions
I have been denied by an insurer, what can I do?
There are several possibilities:
- You can take action to voluntarily settle the dispute, through mutual concessions and the signing of an agreement;
- You can file a complaint against the refusal to the insurer itself or to the Financial Supervision Commission, which controls and supervises the activity of the insurer in order to achieve an out-of-court settlement of the dispute and receive compensation;
- You can file a claim in court to resolve the dispute. After knowing that only the court can order the insurer to pay, and the Financial Supervision Commission has no legal ability to oblige the insurer to pay. The commission can impose a fine if administrative obligations are not complied with, but it cannot decide civil disputes, only the court can;
You can consult the lawyers of the “Zdravkov” law office for specific guidelines for your case.
What compensation does the insurer owe?
This depends on the type of insurance and the event that occurred. Insurances are of two types – Property insurances and Personal insurances. In property insurance, the insurance compensation depends on two factors – the damages and the insurer’s liability limit. In the case of personal insurances, the obligation of the insurer is usually predetermined or determined by external factors – e.g. in investment insurances, but the amount of the insurer’s obligation does not depend on the amount of damage. For example, if a pedestrian with life insurance for BGN 200,000.00. is hit on a footpath and dies from the resulting injuries, his heir is entitled to BGN 200,000.00. on life insurance and compensation for non-property damages, determined fairly by the court, gravitating between BGN 150,000.00. and BGN 250,000.00, depending on the case, and there may be a difference between these amounts.
You can consult the lawyers of the “Zdravkov” law firm for specific guidance on your case with an insurer that owes compensation for property or non-property damages from an accident or catastrophe, as well as for payments due under “Life” or “Accident” insurance.
The amount of compensation for personal injury - how is it determined?
A detailed explanation can be found in our article – here
In what period does the insurer have to pay?
- The deadline for payment of compensation is 15 working days from sending all necessary documents to the insurer. If the insurer does not pay within this period, you can take action to settle the dispute.
You can consult our lawyers about your cases with insurers.
I had an accident at work and my employer has insurance, but the insurer refuses to pay compensation, what can I do?
- In this case, you are entitled to compensation from the employer for the damages suffered, as well as from the insurer, depending on the insurance taken out. With a categorically stated position, your only option for obtaining compensation is to consult a lawyer and file a lawsuit in court;
How much does it cost to file a lawsuit against an insurer and how long does it take?
The costs of a lawsuit against an insurer consist of several components:
- State fees collected by the courts;
- Deposits for necessary examinations and witnesses;
- Attorney’s fees.
Our lawyers will advise you on the specific amounts that are needed. The firm has a practice of assisting needy persons who are unable to pay all or part of the sums due. We provide legal services to financially disadvantaged persons without prior payment of attorney’s fees.
The time the case takes depends on the case, but in order to receive a fast and quality service, it is appropriate to choose professionals in the relevant field. Our lawyers are closely specialized in the field of insurance, and the material interest in the cases we have conducted is tens of millions of BGN.
In what period does the insurer have to pay?
- The deadline for payment of compensation is 15 working days from sending all necessary documents to the insurer. If the insurer does not pay within this period, you can take action to settle the dispute.
You can consult our lawyers about your cases with insurers.
Compensation in case of accident with medium bodily injury - how is it determined
- A detailed explanation can be found in our article – here
Does the insurer have the right to refuse to pay me compensation?
- The insurer cannot refuse when it sees fit. The options for refusal of payment are exhaustively listed in the law, as any non-compliance with the prescription of the law, the right to refuse is unfounded and the insurer should pay.
How can I find a good insurance attorney?
- A good insurance lawyer should get to know your case and assess the options for follow-up. For questions related to insurance disputes, you can get a consultation from our lawyers after making an appointment. Most consultations on these issues are free of charge.
ACCIDENT AND BODILY INJURY COMPENSATION
If you have been in a traffic accident (Traffic accident) and received a moderate bodily injury, the ZDRAVKOV law office team can help you get fair compensation.
We understand how important it is for you to receive adequate compensation for your damages and losses, and we will do everything we can to protect your rights and interests. In these cases, it is especially important to consult with a good insurance law attorney.
INDUSTRIAL FIRE INSURANCE
Industrial fire insurance offers protection against loss and damage caused by fire in industrial premises and other specified risks. Insurable events under these insurances are often of significant value, the reasons for their occurrence are usually disputed between the parties, and receiving a denial under these insurances when the damages are of significant value is not excluded.
Assistance from a good insurance law attorney in these cases is a necessity that any reasonable business should provide.
We provide legal assistance when disputes arise under these insurances and will help you get the compensation you are due.
REFUSAL BY CASCO
If you have been denied motor insurance, an insurance law attorney from our team will help you challenge this decision and get the compensation you deserve. We will analyze your case, prepare the necessary documentation and represent you in front of the insurance company and in court. Our goal is to ensure a fair and adequate resolution of your insurance dispute.
INSURANCE CMR
If you are a transport company or need protection for the transport of goods, CMR insurance is essential. We can assist you in any disputes relating to this insurance and ensure that your interests are protected.
INSURANCE LAW
The team of the “ZDRAVKOV” law office specializes in the field of insurance law and provides high-quality legal services to its clients. We have extensive experience in resolving disputes related to insurance contracts and benefits, always striving to achieve the best results for our clients.
AMOUNT OF COMPENSATION FOR TRAFFIC ACCIDENTS
Calculating the amount of compensation in a road accident can be a complex process that requires expert knowledge of the law and insurance practice. Our attorneys are available to advise you and help you determine the exact amount of compensation you are owed.
We will assist you throughout the process, from submitting the claim to receiving the amount due. A good insurance lawyer should advise you on the amount of compensation due, how it is determined and the options for resolving the dispute with the insurer.
CASCO INSURANCE
CASCO insurances are the second most common car insurances on the Bulgarian market after “Motorist Liability” insurance, which is mandatory.
Casco insurance covers a wide range of risks related to damage to your vehicle. This insurance is voluntary and insurance coverage may vary between different insurance companies.
Our team specializes in assistance in obtaining compensation under Casco insurance, including in the event of a Casco denial. We will help you get compensation for the damages you have suffered.
WORK ACCIDENT INSURANCE
Accidents at work can have serious consequences for employees and employers. Our team can assist you in obtaining compensation under workers’ compensation insurance, ensuring that injured parties receive fair compensation for their damages and losses. Contact us to get assistance from an insurance law attorney from our team.
LIFE INSURANCE
If you have life insurance or borrowers’ life insurance, an insurance law attorney on our team can assist you in obtaining payment under these policies. We’ll help you navigate complex claims processes and represent you to insurance companies to ensure you get the payment you’re due.
WHY CHOOSE ZDRAVKOV OFFICE
ZDRAVKOV Law Firm is dedicated to providing high-quality legal services in the field of insurance law. An insurance law attorney on our team will help you resolve your insurance cases and get the fair compensation you deserve. We are distinguished by professionalism, competence, and an individual approach to each client.
CONTACT US
If you need legal help or advice on matters related to insurance law, do not hesitate to contact us. An insurance law attorney from our team is ready to provide you with the necessary assistance and help you protect your rights and interests.
More about Insurance law and disputes – read here:
- Waiver by Insurer – More information
- Injured in a road accident – Right to compensation
- Property insurance – Practical advice
- Occupational accident – Practical advice of lawyer Zdravkov
- Road accident lawyer – Practical advice
- Should the FSC determine fair compensation for non-pecuniary damages? – Practical advice