I received a rejection from an insurer? Do I need a good insurance law lawyer? What are my rights when an insurer rejects me? Can I consult with a lawyer in Sofia or a lawyer in Plovdiv? We will consider these and other questions in our article.
Sofia Lawyer – Sofia, 3 Positano Square
Plovdiv Lawyer – Plovdiv, bul. “Tsar Boris III” No. 128
Phone – 0886 72 27 72
Insurance is a guarantee of security in the event of adverse events. It is especially unpleasant in these cases to receive a refusal from an insurer. Our lawyers have extensive experience in resolving disputes in the event of a refusal from an insurer. The article examines some of the complications that may arise when filing a claim with an insurer, what may be the reason for a refusal from an insurer and how a lawyer can help you.
Insurance is a commercial activity in which the insurer agrees to bear risk in exchange for a price – an insurance premium. In theory, things seem flawless. The insurer collects enough financial resources to be able to pay all damages. On the other hand, the insured persons are satisfied because they have a solvent debtor in case of risk.
In practice, however, things are not always so rosy. Some of the most common cases in the courts are precisely between insurers or between users of insurance services and insurers. The number of cases before the Sofia City Court was so significant that the rules for local jurisdiction under the Civil Procedure Code were amended and now most cases are heard by the District Courts in the regional cities.
We will examine some of the most common reasons for a dispute between an insurer and consumers:
Insurer’s withdrawal due to excluded insurance risk:
In the general terms and conditions, the insurer indicates in which cases it will bear the risk and in which cases it would not bear the risk. Of course, the insurer should comply with the law when defining the excluded risks. Unfair clauses that limit the rights of consumers should not be included. In some cases, when the excluded risk concerns the consumer’s behavior, according to some courts, it is appropriate that this behavior be in connection with the occurrence of the event. Our opinion on this issue is the same.
It often happens that there are refusals on this basis that are not motivated, i.e. it is stated that the refusal is due to some point of the general terms and conditions that gives the right to refuse, without taking into account whether it is applicable to the specific case. We advise you to contact a lawyer when refusing from an insurer.
Rejection by an insurer due to an unproven event:
The occurrence of the insured event and the damages from it should be established before the insurer. There are frequent cases in which insurers request documents from consumers who are not related to the event and motivate their refusal with the lack of these documents in the file. This is illegal behavior and does not give the insurer the right to refuse. In other cases, insured events are of an extraordinary nature, for example, a fire in a large enterprise, and establishing the causes of the event and the damages can take months. Very often, the services of both emergency commissioners and experts are used to establish these events, often in such events the parties cannot reach an agreement on either the causes or the amount of damages, or compensation, and such a claim is likely to be denied by the insurer. In order to avoid such a situation of denial by the insurer, you can consult with our lawyer, who can assist you in these matters.
Rejection by an insurer due to failure to fulfill an obligation:
In practice, we have often encountered rejections due to failure to fulfill a legal obligation by the insured. It is worth noting that not every failure to fulfill an obligation gives the insurer the opportunity to refuse, but only one that has led to the occurrence of an insured event.
Rejection by an insurer in the absence of a concluded agreement:
This hypothesis is almost mandatory in claims for significant insurance benefits or amounts. The law does not require an agreement to be reached between an insurer and a consumer when a claim is made. Naturally, however, when the compensation is significant in size, the lack of an agreement would mean the possibility of filing a lawsuit against the insurer after payment. Following their economic interest, insurance companies avoid paying compensation in the absence of agreements, and often unprofitable agreements are offered.
Отказ от архив Due to the lack of another option, the insurer will probably refuse.
ASSISTANCE FROM AN INSURANCE LAW ATTORNEY IN CASE OF DENIALATION BY AN INSURER:
Our opinion is that disputes often arise in these relations due to the accumulation of bad practices on both sides, which could be avoided and save a lot of time and effort. In the event of such a refusal by an insurer, you can consult with our lawyer to resolve the dispute.
You can read more information on the topic here: zdravkov-legal.com/zastrahovatelno-pravo
Our practice in this area is extremely rich, we have many years of experience and excellent results. We have consulted both insurers and consumers. You can consult a good insurance law lawyer.
Do not hesitate to contact us for consultation and assistance from a lawyer in Sofia on your case:
https://www.zdravkov-legal.com/contacts
+359 886 72 27 72
Attorney Sofia – city Sofia, square “Positano” No. 3
Lawyer Plovdiv – city Plovdiv, Blvd. “Tsar Boris III” No. 128
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