How much can you wait for compensation? - Reader question
The reader e-poszkodowani.pl blog, recently asked a question, which publishes the full text below. From the content of the question raised is apparent that the questioner has difficulty in obtaining compensation from insurance OC accident.
"Hi I can not get longer and 2-month PTU compensation for damage for car. How long do I wait? I read in the Tele Week with an insurer shall withdraw a maximum within one month. sent me a letter waiting for confirmation from the perpetrator of such an incident had a place but I think they should do it at the very beginning and it is not for me to explain. What can I do to speed up their actions? "
The dates we wrote a blog some time ago - a full article is available here . Here only a guide to terms and answer reader.
Deadlines for issuing decisions in liquidated damages of compulsory insurance, such as TPL popular vehicles are governed by the provisions of the Act of 22 May 2003 on Compulsory Insurance, Insurance Guarantee Fund and Polish Motor Insurers' Bureau (Official Journal of 16 July 2003 (OJ 2003 No 124 item. 1152), which states that:
Article 14
First The insurance undertaking shall pay the compensation within 30 days from the date of submission by the victim or the beneficiary notice of the injury.
and continue in the same article:
Second In the event that an explanation within a period referred to in paragraph. 1, the circumstances necessary to establish the liability of the insurance or the amount of damages, it proved impossible, the compensation shall be paid within 14 days from the date on which due diligence to clarify these circumstances it was possible but not later than within 90
days from the date of notification of the damage, unless the determination of liability insurance or the amount of compensation depends on the ongoing criminal or civil proceedings. In the period referred to in paragraph. 1, the insurance holder shall notify in writing the reasons for the inability to satisfy his claim in whole or in part, as well as the seizure of alleged final position within the legitimate claims and pay compensation unquestionable part.
In other words, insurance companies have been obliged to, within 30 days after notification of injury, injury to settle. If during this time, with due diligence, insurance company fails to establish liability for the injury - compensation should be paid within 14 days after the explanation of any doubt - it usually involves the receipt by the TU police notes, court order or . This term, however, should not be longer than 90 days.
To eventually speed up the decision by the insurance company, for example, you can try to contact the offender and determine if the offender has already confirmed the incident with the insurer. You can also ask the insurance company to confirm responsibility by telephone, or sent the appropriate reminder letter.
on: 7 May 2010 at: 17:52
Unfortunately, the General Conditions and the realities of their own. In one of the companies in the three letters waiting to pay exactly 87 days and all documents were filed shortly after reporting the injury and the new insurer does not need it.
date: 2 July 2010 at: 10:11
For certain you have an insurance contract that podpisywałeś. There should be all written. Namely, what date should be paid compensation. If it is exactly the time limit can be reported to the insurance company. You may also try the same contact in order to expedite payment. Sometimes you have to intervene because a passive waiting time will not do anything to settle in this country.
date: 2 August 2010 at: 13:24
As in the Act. However, when it is followed not (obviously wrongly) can successfully seek legal compensation for delay and direct a complaint to the Insurance Ombudsman. Just a few letters and a strong character (possibly professional help) to elicit a few more gold, and incidentally help innnym, regulating the market.
I greet and congratulate the blog
Gregory Grzeszczyk