How to file a claim for insurance. Complaint to the insurance company

Today more and more complaints are heard. There are a lot of reasons, someone has inflated tariffs, someone has a reluctance to issue a CTP insurance policy, someone has a small payment for an insured event. And often, the consumers themselves fail to establish contact with the insurer and solve the problem on their own. And then you can just complain about it. But before you go complain, you need to know where and how, and where it will be more effective.

Today, there are several main problems, in the event of which it is better to immediately write a complaint than to wait for its simple resolution. Some may say that it is easier to sue. But here too there is a snag. Of course, most often the court is on the consumer’s side, as they are well aware that sometimes insurance companies exceed their authority. But there is something else. It will take more than one week, until the person will sue. And at this time he will either have to be repaired at his own expense, or without his vehicle, etc. But the complaint will turn out much more effective, as it is considered in a shorter time. So, today most often complain about:

1. Refusal to issue a CTP policy
2. Refusal to issue a CASCO policy
3. Overpriced insurance premium for CASCO policy. Here we are talking only about hull insurance, since the rates of this type of insurance are not regulated by almost anyone.
4. Small insurance payout
5. Denial of damages

In these and in many cases, you need to complain, because otherwise it will not be possible to solve the problem.

Where to complain

Before you go to write a complaint, you need to know exactly where to write it. Experienced lawyers offer several places to go to:

1. Insurance company itself
2. Russian Union of Auto Insurers. However, you can contact here only on issues related to CTP
3. Federal Financial Markets Service
4. Federal Antimonopoly Service
5. Federal Insurance Supervision Service

These are the places where they will actually take some action. Many believe that it is better to immediately write to the department of consumer protection. But this organization is a little more complex than the ones listed above and deals with many other issues. And so the case may be delayed.

Complaint to the insurance company

Sometimes, the matter can be resolved much faster than the consumer assumes. In some cases, it will suffice to write a written complaint to the insurance company itself. True, this should be done very carefully and competently. First of all, you need to re-read the insurance contract, if any, and highlight those moments that are not satisfied. In that case, if we are talking about the refusal to issue a policy, as well as OSAGO, then it is necessary in the application to require clarification of the reason for the refusal.

Complaining in writing is necessary in order to receive a written explanation or refusal. With this paper it is already possible to continue to contact other authorities. But in most cases, the matter will end in the insurance company itself, since they all understand perfectly why a written answer is needed. An exception may be those cases when the size of the insurance payment is lowered. Here they have plenty of explanations. The main thing, when filing a complaint, specify the date of its filing and require to put a mark on its acceptance.

After a certain period of time, you must receive a written response, which must also be marked on the date and print. If the answer does not satisfy the consumer, then you can complain further.

Complaint to other bodies

The first place that consumers prefer to send complaints to is the Russian Union of Motor Insurers. True, you need to know that the competence of this body is only the consideration of complaints about OSAGO. Then, if the complaint is massive, you can write it to the Federal Insurance Supervision Service. This is one of those bodies that are most afraid of insurance, as they have every right to withdraw the license.

Today, based on the general situation on the insurance market, we can say that the most effective complaint to the Federal Antimonopoly Service will be. And the reason for such complaints is one - the refusal to issue a CTP policy and the illegal imposition of additional services. It is also worth noting that, despite the fact that each of these bodies will accept the complaint for consideration, they will respond quickly only when the insurer is in fact not right. Otherwise, it will take about a month to wait for an answer.

Result of the complaint

The complaint, even if it was written with the very strazhovaya company itself, today is able to resolve the issue very quickly. So, for example, in the case of a refusal to issue a CTP policy, the reaction will be instantaneous, and the person will immediately be offered to insure. It will also be the case with CASCO. It is worth saying how all structures work, where consumers write complaints. At that moment, when a written complaint reaches them, they read it and send a copy to the insurance company.

But if we are talking about a small payment for an insured event, or even a refusal of it at all, the result can be both positive and negative. Very often, a simple complaint cannot help if the payment was calculated incorrectly, as each insurer has its own damage rates. It is also the case with the refusal to pay. In these cases, it is better not to waste time on complaints, and go to court immediately, even if it takes much longer, but the court’s actions are much more effective. According to the statistics of court decisions concerning insurance claims, it can be concluded that it is consumers who most often win. But, of course, there are exceptions.

The insurance company, seeing the note that the complaint was written, for example, the PCA, in order to avoid negative consequences for itself, will immediately fulfill all the conditions. Otherwise, she risks losing the license and getting a huge fine.

Today, the question "where to complain about the insurance company" is so relevant that almost all services work only on these requests. And this is because, in recent times, tariffs have been significantly raised and many are not satisfied with the current rates. If you think that insurance is not right, then contact the PCA or FSSP, because it is these bodies that can really help.

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Where to complain to the insurance company?

First of all, you should contact directly with the insurance company. Many organizations have a special department for working with problem clients. You can submit an application to the company's office or via the Internet. If you did not manage to agree, it is worth contacting specialized authorities. These include the Federal Financial Markets Service and the PCA (Russian Union of Motor Insurers).

How to file a complaint with an insurance company?

For starters, you can send a claim to the insurance company itself. A properly drafted complaint based on the arguments may be satisfied by the company as soon as its employees see your serious intentions and reasonable requirements. If the actions have failed, you need to prepare a petition and a pre-trial complaint. They are required to be sent to the special insurance claims settlement department of the insurance company, and copies of the securities should be sent to the Central Bank of Finance and Russian Association of Independent States (SARS).

If the company underestimates the payment of insurance compensation or delays the money you are entitled to, to protect your rights and interests, you should contact the judicial authority directly.

Important!  In order to properly file a lawsuit, it is best to seek the help of professionals who have specialized knowledge and vast experience in solving these problems.

How to write a complaint to the insurance company?

• clearly describe the essence of the problem;
• specify in what exactly the insurance legislation is violated;
• correctly set out the requirements;
• refer to specific rules of law that justify your claims or objections;
• attach copies of the relevant documentation (policy, receipt of payment of the insurance premium, correspondence with the insurance company, as well as a refusal to pay, etc.);
• sign and date.

Your application will be answered in writing within 30 days from the date of registration. There is no need to write more claims for insurance, the case is running, the company will solve the problem as soon as possible.

Important!  If, according to your complaint to the insurance company, no action was taken within thirty days from the moment of its filing, it is recommended not to delay the appeal to the actions of the insurer in court.

Lawyer's assistance may be needed at any stage of solving your problem - filing a complaint, a pre-trial complaint, as well as representing the interests of the claimant in a judicial body.

ATTENTION!  In connection with the latest changes in legislation, the information in the article could be outdated! Our lawyer will advise you for free - write in the form below.