THE INSURANCE COMPANY DOES NOT COMPENSATE FOR DAMAGES AFTER THE ACCIDENT: WHAT TO DO?

 An accident is an unpleasant event that can happen in everyone's life. However, in 50% of cases the real culprit does not admit his guilt, and in 95% of cases he compensates the victim only forcibly. Compulsory civil liability insurance allows you to indemnify the victim at the expense of the insurance agency.

 Prikhodko & Partners Law Firm has extensive experience in insurance disputes. An insurance lawyer working in this field knows the standard list of issues that usually arise after an accident. These include cases when the insurance company does not pay anything at all, or pays in violation of the terms, the guilty person does not have an insurance policy, the amount paid does not correspond to the actual damage, and so on.

The most common reasons for the insurance company's refusal to pay insurance indemnity are:

Violation by the victim of the terms of the insurance contract.

The event during which you were injured is not covered by the insured event.

The commission of actions by the victims, as a result of which an insured event occurred.

The victim did not provide all the documents necessary to determine the actual amount of damages or violated the deadline within which these documents must be submitted.

Reporting false information about the circumstances of the accident, which may later be classified as an insured event.

 If the insurance company did not refuse to pay you the insurance indemnity, it is very likely that the insurers will reduce the amount of the insurance indemnity, motivated, as a rule, by the fact that the terms of the insurance contract were violated by you.

The most common ways to reduce the amount of insurance premium payable are as follows:

The insurance company stipulates in the contract the exclusive right of the company to determine the service station (hereinafter - the service station) at which the victim's car needs to be repaired.

The insurance company applies various reductions in the amount of insurance indemnity due to non-fulfillment or untimely fulfillment of your contractual terms.

Artificial underestimation of the amount of damages caused to the victim through the involvement of expert institutions for examination, which are clearly interested in acting in the interests of the insurance company.

 If you do not agree with the amount of insurance indemnity determined by the insurer, and you believe that the insurance company has underestimated the actual amount of losses incurred by you, you can initiate an independent automotive examination in an expert institution of your choice.

 The practice in the field of insurance disputes shows that the vast majority of the Insured's problems in further relations with insurance companies arise due to the conclusion of a contradictory, unreliable and complex contract. The client, as a rule, when signing the contract can not objectively and sufficiently analyze and identify those "pitfalls" that are exposed by the insurance company.

 To avoid possible cases of refusal to pay or understatement of the amount of insurance indemnity, we advise you to seek help and advice from specialists. Prikhodko & Partners Law Firm, with extensive experience in the field of insurance disputes, will always be happy to help you.

Author: Dmitry Chernikov