Nowadays, one can often hear that insurance companies do not pay insurance payments, either underestimate them or delay the payment terms. If the insurance company does not properly fulfill its obligations, you can act on it by writing a complaint.
Instruction manual
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First of all, you can try to file a complaint directly with the company in writing. Often companies have in their structure a special department that works with citizens and organizations. You can file a complaint at the office of the company, at the reception. The main thing is to make sure that it is registered, and get a second copy. You can also complain online. To draw up such a pre-trial complaint, you can use the help of professional lawyers.
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If this method has not taken effect, a complaint can be filed with organizations such as: the Federal Service for Insurance Supervision, the Russian Union of Auto Insurers, the All-Russian Union of Insurers. In case of failure by the insurance company to fulfill its obligations and after applying to these instances, there is only one way - going to court. But for this, of course, you will need the help of a qualified lawyer and certain material costs, since filing a statement of claim is the beginning of a lawsuit. But in the event that you are right, all expenses will be compensated to you.
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If you incur losses from the actions or omissions of the insurance company, you can apply to the prosecutor’s office. The application must be accompanied by all documents confirming your correctness, correspondence with the insurer, as well as documents on the payment of necessary insurance premiums and other fees. The prosecutor’s office considers the appeal within a month, however, if not only you, but also a number of other persons have suffered from the company, you can file a collective appeal. Then things will go much faster, and the prosecutor will act not only in your interests, but in the interests of an unlimited circle of people.
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For a positive outcome, you need to know not only where to turn, but also how to make a complaint. First you need to state the essence of your claim, indicate specifically what you are complaining about, indicate the clause of the insurance contract that the insurance company violated. Therefore, before signing the contract, you should read it very carefully, since often what is written in the contract and what the agent tells you when it is concluded is significantly different. It is also necessary to attach all the documents you have that can confirm your words.
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A well-written complaint allows controlling organizations to carefully look at the activities of the insurance company, it is even possible to initiate the process of suspension or revocation of a license. Since the controlling organization can send a copy of the appeal to the insurance company with a request for explanation. For an insurance company, this is a much bigger threat than any court decision. Therefore, when initially compiling a complaint correctly, you have a chance in the pretrial order to get what you are entitled to.
