How do I proceed if I do not agree with the insurance appraisal?
July 30, 2023 | 30,00 EUR | answered by Katrin Sontheimer
Dear lawyer,
My name is Anna Stricker and I have a question regarding insurance law. Some time ago, I had an accident and had to use my insurance. I have now received the insurance assessment that determines the amount of damage. Unfortunately, I do not agree with the result of the assessment, as I believe that my damage is higher than stated in the assessment.
I have already tried to discuss this with the insurance company, but they insist that the assessment is correct. I am concerned because I do not know how to proceed. Is there a way for me to challenge the insurance assessment or request a review? Are there any ways for me to demand my right to fair compensation for damages?
I would greatly appreciate it if you could advise me on the best course of action in this situation. Are there specific legal steps I can take to address my concerns? Or are there alternatives that I should consider?
Thank you in advance for your help and support.
Sincerely,
Anna Stricker
Dear Mrs. Stricker,
Thank you for your inquiry regarding insurance law. I am sorry to hear that you are not satisfied with the outcome of the assessment by your insurance company. It is understandable that you are seeking adequate compensation and looking for ways to assert your rights.
In your situation, there are various steps you can take to challenge the insurance company's assessment or request a review. First and foremost, it is important that you carefully retain all documents related to the accident and the assessment. This includes, for example, photos of the accident scene, repair invoices, medical certificates, and correspondence with the insurance company.
The first step you can take is to submit a written complaint to your insurance company. In this letter, you should detail why you disagree with the assessment and present arguments for a higher compensation amount. It is important that you provide all relevant information and evidence to strengthen your position.
If the insurance company continues to maintain its position, you have the option of consulting an independent assessor. This assessor can reassess the damage and provide a counter-assessment. The costs for the independent assessor are usually borne by you, unless otherwise specified in the contract.
Furthermore, you can seek advice and support from a lawyer specializing in insurance law. An experienced lawyer can assist you in asserting your claims against the insurance company and potentially take legal action if necessary.
Overall, it is important that you remain proactive and do not give up if you are not satisfied with the assessment. By taking the steps mentioned above and seeking professional help, you can significantly increase your chances of receiving adequate compensation.
I hope this information is helpful to you and wish you success in asserting your claims.
Sincerely,
Katrin Sontheimer
