We often hear that insurance companies underestimate the payments of insurance compensation to their clients, delay payment periods or even refuse to pay. In such cases, a complaint to the appropriate authorities will help.
Instructions
Step 1
On the territory of the Russian Federation, there are two official instances that you can contact if you have suffered from inaction or infringement of your rights by the insurance company. These are the Central Bank of the Russian Federation (CBRF) and the Russian Union of Auto Insurers, or RSA (in terms of OSAGO).
To contact these authorities, draw up a complaint statement, where you need to state the essence of your claim to the insurance company. State the requirements clearly and clearly, consistently. If the text is confusing and vague, it will become unclear exactly what you want from the insurers. In this case, your complaint may not be considered at all, let alone satisfied. Explain what you are specifically complaining about, support your words with links to the clauses of the insurance contract or legislation violated by the company.
Step 2
Try to file a complaint with the insurance company first. Nearly all of them have a customer complaints department. You can send your complaint via the Internet or take it personally to the office of the company.
Step 3
If the previous step was unsuccessful, prepare a statement and a pre-trial claim. They should be sent to the claims department of the insurance company. Copies of these documents must be sent in parallel to the Central Bank of the Russian Federation, if the loss on OSAGO is sent to the RSA.
Step 4
According to the Federal Law "On the Procedure for Considering Applications of Citizens of the Russian Federation", the CBRF and the RSA must send a response to your complaint within 30 days from the date of its registration. In this case, insurance companies usually respond to the complaint by reimbursing all losses.
Step 5
If the appeal to the Central Bank of the Russian Federation and the RSA did not help, and your company delays insurance payments or underestimates the insurance compensation, then it remains to go to court. Filing a lawsuit is the start of a full-fledged legal battle and you will need the help of a lawyer. In addition, it will not do without additional material costs. However, if you are 100% sure that your rights are being infringed, you should know that if you win in court, the company will fully reimburse all legal costs.
