Insurance - a phenomenon that does not exist for decades in the field of financial relationships.The possibility to obtain compensation in the event of the situation provided for in the insurance contract, may be quite tangible support.In our country, there are two main types of insurance - mandatory and voluntary.With one of them had to deal all of us, over the right to use another, many still think.Knowledge of the inhabitants in the intricacies of terminology and the whole process is very sketchy and sometimes unreliable.
Let us examine one of the main concepts in the provision of insurance services, as is the insurance compensation.What does this concept than it is defined?
Insurance indemnity is the actual amount to be paid by the client in the event of accident or situation under the insurance contract.For example, the same motor liability insurance can be noted that the amount, within which will be reimbursed damages resulting from the accident, is insurance compensation.
Naturally, the amount of money to be paid, may be adjusted to meet a number of conditions:
- amount of reimbursement shall not exceed the cost of the damage which has actually been caused to property insured, unless the contract provides for payment of a specific amount irrespective of thecircumstances.
- Reimbursement will also be reduced if the sum of the insurance object below its insurance value (unless otherwise provided in the insurance policy).
- In the case of insurance of one object with several insurers, the insurance compensation received from all insurers may not be higher than the actual value of the property.
- refund amount to be paid regardless of the payments on other contracts (social payments and compensation for harm to health).
In modern reality there are cases when the insurer is denied insurance claim.Such a decision may be due to the following circumstances:
- late notice of the fact of the insured event.
- incomplete set of documents submitted as evidence.
- Corrections in the insurance policy.
- non-insurance case.
This is the most common reason that insurance companies put forward as an argument for refusing to pay.With regard to auto insurance, then there is a list of reasons for refusal or partial compensation is vast.
If the customer doubts the legality of such actions on the part of the insurance company, it can resort to a procedure such as the recovery of insurance compensation in court.In order to guarantee a legal support and assistance to the most faithful will appeal to legal services.Separate access to a court may not always succeed, because the insurance companies include a fairly extensive staff of lawyers who can make you doubt the validity of claims.An independent expert will help you understand the intricacies of the case, assess the chances of its resolution in favor of the customer, as well as give detailed instructions on what documents must be collected for the submission of the application to the court.
