RECOVERY OF INSURANCE COMPENSATION FOR AN INSURED EVENT ON HOLIDAY

When planning a vacation, we expect positive emotions from it. But when buying a tour for a holiday, we almost always draw up an insurance contract. When drawing up such an agreement, almost everyone does not even read it and does not arise in its conditions. And this is the biggest mistake of citizens. After all, when an insured event occurs, insurance companies often refuse for one reason or another with reference to the concluded contract.

But in order to receive compensation and reimbursement, you need to understand that an insured event is an event that occurred during a vacation and is indicated in the insurance contract. For example, this can include injury during a vacation or other events provided for in the contract. The wider the list of insured events specified in the contract, the more likely it is to receive compensation.

Ways to receive insurance compensation

• Method 1. Voluntary compensation

The easiest way to receive insurance compensation for what happened during the holiday is a voluntary payment by the insurance company. In this case, the mechanism goes like this:

1. the insured person informs the insurer about a specific event that has occurred, which, in accordance with the contract, falls under the insured event;
2. the insurer is processing this notice;
3. examines the supporting document;
4. pays a refund.

In this case, the message can be both in writing and by means of electronic communication or even by telephone. If the amount of compensation is small, usually insurance companies reimburse the funds provided for by the insurance contract. But in the case when a considerable compensation needs to be reimbursed for an insured event, then there are all kinds of reasons for refusing to pay insurance compensation.

• Method 2. Judicial procedure for reimbursement

This method is longer and more valuable. But if the travel insurance contract is not fulfilled, then the court is the only instance that can help. It should be noted that when applying to the court, it is necessary to prepare all the evidence. And these are documents confirming the occurrence of an insured event. It is also necessary to obtain a written refusal from the insurer to refuse to pay insurance compensation. You should also not forget that you need to have a copy of the insurance contract, because this will be one of the main evidence that will be examined by the court.

Recomendations

When an insured event occurs, you do not need to delay notifying the insurer. Indeed, very often a condition may be prescribed in the contract that it is necessary to report the occurrence of an insured event within a day or at another time. Often, missing this deadline can lead to a refusal to pay compensation..

And do not forget that in order for the rest to be successful, use the help of specialists. And in case of problems with obtaining insurance compensation during the holidays, contact the specialists.