What to do if the insurance does not acknowledge my damage?
October 6, 2022 | 30,00 EUR | answered by Ingo Gallenberg
Dear insurance lawyer,
My name is Claudia Niemeyer and I have an urgent question regarding a claim with my insurance company. A few weeks ago, I had an accident where my car was damaged. I contacted my insurance provider and reported the damage, hoping that it would be quickly and easily resolved.
However, I have now received notification that the insurance company does not want to acknowledge my claim and does not want to cover the costs. This has surprised and unsettled me, as I assumed that I was insured for such cases and could rely on the support of my insurance company.
My car is currently not drivable and the repair costs amount to a considerable sum, which I, as a single mother, cannot easily afford. Therefore, I am now in a difficult situation and do not know how to proceed.
My question to you is: What can I do if my insurance company does not acknowledge my claim and does not want to cover the costs? Are there legal steps I can take to enforce my rights and get the damage resolved? I am grateful for any help and support, as I urgently need a solution to this problem.
Thank you in advance for your time and expertise.
Sincerely,
Claudia Niemeyer
Dear Mrs. Niemeyer,
Thank you for your inquiry regarding the insurance claim with your insurance company. I am sorry to hear that you are in this difficult situation and that the insurance company does not want to cover the costs. In such cases, it is important to remain calm and carefully plan the next steps.
First and foremost, it is important to find out the exact reason for the insurance company's denial of the claim. Often, there may have been misunderstandings or incorrect information that led to this decision. Therefore, I recommend that you inquire in writing with the insurance company and request a detailed explanation for the denial.
If the insurance company continues to insist on their decision, as the policyholder, you have rights that you can assert. In such cases, it may be useful to consult a lawyer specializing in insurance law. A lawyer can help you assess your claims and, if necessary, take legal action to enforce your right to claim damages.
Depending on the type of insurance you have (liability insurance, comprehensive insurance, partial insurance, etc.), different regulations and conditions apply. An experienced lawyer can help you review the terms and conditions of the contract and determine whether the insurance company is indeed obligated to regulate the damage.
It is important to gather all relevant documents and information related to the damage and communication with the insurance company. The more documentation you have, the better you can present your case in court.
Overall, I advise you not to give up and to fight for your rights. With the support of a competent lawyer, you can increase the chances of a successful settlement of the damage.
I hope that this information is helpful to you and I am available to clarify any further questions you may have.
Sincerely,
Ingo Gallenberg
