What should the appeal? - Reader question
One reader asked the editors of the question that I will try to answer in the following listing. Asked by a reader question, unfortunately, is somewhat general and does not allow to give a precise answer, but the following entry may be a clue how to construct a reference to the insurance company. Reader is asked to answer the question:
What should the appeal in case of refusal compensation insurance with OC?
On this question, you can not give a thorough answer. To give such an answer would be necessary to know the documents under which the insurance company issued a denial, or even a handful of the grounds of that refusal.
Basically the appeal should include arguments that undermine issued by an insurance company decision. If the insurance company issued a negative decision, it certainly also indicated in the text of the letter decision, the reason for such a position.
Thus constructing the appeal issued by the insurance company decisions, it would be appropriate to present arguments showing that the insurer's position is wrong, or that the insurer in the course of their settlement of claims has not fulfilled all the tasks necessary to resolve the matter.
Often the reason for refusal was the lack of confirmation of the circumstances of the event by the perpetrator, or the lack of documentation notes, information gathered from the police. If as a reason for refusal raises the insurance company The same argument, it is determined whether the insurer has performed to the appropriate police department or the perpetrator of the relevant documents. If the insurance company has not received such a document is worth a try yourself and attach them to win the appeal. Police often, though should not, it seems very interested in such notes. You can also try to contact the author of the event and find out whether it actually has not replied to the letter the insurance company.
Sometimes the reason for refusal, is the failure by the concerned documents necessary for settlement of claims. Here the company as a reason for refusal can be given Article 6 of the Central Committee, "The burden of proving the fact rests on the person, which derives from the fact that the legal consequences.", Then just check the documentation and determine what the document is not delivered. Sometimes, simply attach a photocopy of the registration certificate, if it is damage to the vehicle and ask the insurance company to reconsider the matter.
If the reason for refusal is the lack of valid insurance at the time of the event, but not a voluntary insurance of the vehicle, the insurance company after dosłaniu our consent must submit documentation to the Insurance Guarantee Fund.
Reasons for refusal vary, the above suggestions are just a few of the possible ways a positive solution of the case. You should also remember that we can always ask for help from the Insurance Ombudsman .
