Nowadays, you can often hear that insurance companies do not pay insurance payments, or they underestimate them or delay the terms of payments. If the insurance company does not properly fulfill its obligations, you can influence it by writing a complaint.
Instructions
Step 1
First of all, you can try to file a complaint directly with the company itself in writing. Companies often have a special department in their structure, which deals with the work with appeals from citizens and organizations. You can file a complaint at the company's office, 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.
Step 2
If this method did not work, a complaint can be filed with organizations such as: the Federal Insurance Supervision Service, the Russian Union of Auto Insurers, the All-Russian Union of Insurers. If the insurance company fails to fulfill its obligations and after contacting these authorities, there is only one way - going to court. But this, of course, will require 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 costs will be compensated to you.
Step 3
If you incur losses from the actions or inactions of the insurance company, you can apply to the prosecutor's office. All documents confirming your innocence, correspondence with the insurer, as well as documents confirming the payment of the necessary insurance premiums and other fees must be attached to the application. The prosecutor's office considers the appeal within a month, but if not only you, but also a number of other persons have suffered from the company, you can file a collective appeal. Then the case will go much faster, and the prosecutor will act not only in your interests, but in the interests of an unlimited number of people.
Step 4
For a positive outcome of the case, you need to know not only where to go, but also how to properly file 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 concluding it are significantly different. It is also necessary to attach all the documents you have that can confirm your words.
Step 5
A well-written complaint allows the controlling organizations to take a closer look at the activities of the insurance company, perhaps even initiate the process of suspension or revocation of the license. Since the controlling organization can send a copy of the appeal to the insurance company demanding an explanation. For the insurance company, this is a much greater threat than any court decision. Therefore, with the initial competent drafting of the complaint, you have a chance to get what you are entitled to pre-trial.
