In principle, this question should be whether I get compensation?, And if so when?. In a situation where damage is caused to us, or we will cause it - usually we find how easily our lives can fall over upside down. A damaged vehicle - no possibility of getting to work, flooded apartment - the necessity of compulsory overhaul, the disease - the need for hospitalization, and so you can share and exchange. All these situations cause that we want our life was like before. Often when the question is asked:

- When will I get compensation?

To that question has no simple answer. Too bad the injury is not equal. Traffic accident, for example, is not equal to fire home. However, you can somehow try to systematize what terms the insurance companies have to cover damages and compensation.

It is worth mentioning the division of insurance on a voluntary insurance and compulsory insurance, because in this division lies the basis of terms which oblige insurance companies to pay the owed ​​funds.

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 - most often it is related to the receipt by TU police notes, court order or . This term, however, should not be longer than 90 days.

In the case of voluntary insurance, the terms are similar claims. Typically, insurance companies are obliged to claims within 30 days after notification of the occurrence of the injury. In the case of voluntary insurance claim settlement terms are defined in the General Conditions of Insurance concluded, and regulates the whole Civil Code, which says that:

Art 817th
§ 1 The insurer is obliged to comply with the provision within thirty days from the date of receipt of notification of the accident.

§ 2 If the explanation for that period circumstances necessary to establish the liability of the insurer or the benefit, it was not possible, provision should be fulfilled within 14 days from the date on which due diligence explanation of the circumstances was possible. However, the undisputed portion of the benefit must be met by the insurer within the period provided in § 1

It should however be aware that the contract of insurance or general insurance conditions may include provisions for more favorable than those authorized in the preceding paragraphs.

Related articles:

• How much can you wait for compensation? - Reader question
• Deductible and co-insurance
• Change in amount or duration of disability
• The low compensation, the decision to refuse ... what to do?
• ACT of 22 May 2003 on Compulsory Insurance, Insurance Guarantee Fund and Polish Motor Insurers' Bureau (Journal of Laws of 2003 No. 124 as amended poz.1152. Amended).

Listing added: Monday, 9 November 2009 at: 20:53 in the category: Articles • Tags: General , tips , terms . You can follow any comments on this post through the feed RSS 2.0 . If you want to leave a comment, click here , and here is a trackback .