Insurance Claims refer to the process where an insured individual or company demands compensation for a loss from an insurance company. This is the most critical moment in the insurance relationship, where conflicts of interest often arise. Insurance companies frequently try to reduce the payout amount or completely deny reimbursement, relying on complex contract terms or lack of evidence. This service covers all types of insurance claims: health, auto, property, life, and business liability insurance. Engaging a qualified lawyer at this stage is crucial to ensure the loss is assessed fairly and reimbursement is made on time.
Specialists on Legal.ge offer full legal support in the insurance claim settlement process:
- Incident documentation: Proper collection of evidence (medical reports, police records, expert conclusions) for submission to the insurance company.
- Loss assessment: Engaging independent experts to determine the real amount of loss if the insurance company's valuation is inadequate.
- Negotiations: Managing communication with the insurance company's claims adjustment department to maximize compensation.
- Legal justification: Legal interpretation of policy terms proving that the specific case is eligible for reimbursement.
- Complaint management: Filing official complaints with company management or the supervisory body.
Practical examples are diverse: in a car accident, the insurer might dispute the driver's fault; in health insurance — the necessity of a treatment method; in property insurance — the cause of a fire. Often, insurers request documents that are practically impossible to obtain to stall for time. A lawyer protects the client from such unfair tactics and ensures process transparency.
In Georgia, the claims settlement process is based on the Law "On Insurance" and the specific insurance contract. The law obliges the insurer to reimburse the loss within a reasonable time. If this deadline is violated, the insured can claim a penalty. It is important to know that statutes of limitations for insurance claims are limited, so timely action is essential.
Working with a specialist begins as soon as the insurance event occurs. The lawyer advises you on what to say and what not to say when speaking with the insurance agent, as any word can be used against you. They will help you fill out the claim application correctly and avoid formal errors.
Legal.ge is your partner in restoring justice. Our experts know the inner workings of insurance companies and will help you receive the compensation you deserve. Don't leave money on the table — protect your interests with the help of professionals.
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