Litigation with insurance
A dispute or disagreement with his insurance contractor is something quite usual. But in most cases, it is a misunderstanding or misinterpretation of the insured about his contract.
The first thing to do is to re-read your contract, including the terms of exclusions of guarantees and special suplementary conditions and do not hesitate to contact his adviser in case of doubt.
Disputes with his insurer generally involve a refusal to compensate for a claim, an insufficient amount of compensation, a late declaration, the non-reimbursement of a broken object, a change in an unrevealed situation or because of a claim. Too long processing time for example.
How to make an amicable remedy with his insurer?
In a letter of declaration you will demonstrate that you have told the insurer of the loss within the legal deadlines and that the latter is covered by the insurance while showing that the guarantee conditions have been met (no intentional fault or exclusions). Attention, the limitation period is a short 2 years, beyond this point no action will be possible!
It is not always easy to express your grievances in writing, that is why we propose below models of correspondance of complaint to the insurer for many reasons and insurers (Maif, MMA, Matmut, Axa, Allianz , Macif, Gan, Groupama, Maaf, GMF, etc.). It is very important to send your letter by registered mail in order to keep track of your steps if, subsequently, you have to request the Ombudsman's intervention. This procedure will permit you to get an informed and external sight on the divergence between you and your insurer, when it does not succeed.
Similar letters: Referral to the BCT after a refusal of compulsory insurance, Make a claim for arbitration, Request a conciliation.
These letters can be useful to you:
Request an information statement from the contractor Request a copy of a certificate of insurance
Examples of mail to settle insurance claim letter model a dispute over an insurance contract
Subject: Claim compensation.
Example for an car insurance contract (refusal of assumption of responsibility)
I acknowledge receipt of your registered mail dated [put the date] in which you kindly let me know that you disagree to compensate the theft of my GPS in London that I declared [date] on the grounds that it falls under the exclusion of insurance.
However, there is obviously a contradiction between the generic conditions and the particular conditions of our insurance. Indeed, Article 3 says for the compensation of objects broken into my vehicle at the European level, but the special clause B provides for exclusion outside France (for example).
Referring to the case law, I ask you to seriously review your position and make my compensation as soon as can be.
While then, please accept, Madam, Sir, my best regards.
This letter model can be adjusted to any needs.
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Litigation with insurance