Where to complain about insurance
Where to complain about insurance
At the present time one can often hear thatinsurance companies do not pay insurance payments, either understate them or delay payment periods. If the insurance company does not properly fulfill its obligations, you can influence it by writing a complaint.
Instructions
1
First you can try to file a complaintdirectly to the company itself in writing. Often companies have in their structure a special department that deals with the applications of 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 was registered and get a second copy. You can also complain via the Internet. To draw up such a pre-trial complaint, you can use the help of professional lawyers.
2
If such a method had no effect, the complaintyou can apply to organizations such as: the Federal Service for Insurance Supervision, the Russian Union of Motor Insurers, the All-Russian Union of Insurers. In the event that the insurance company fails to fulfill its obligations and after appealing to these instances, there remains only one way - going to court. But for this, of course, the help of a qualified lawyer and certain material costs will be required, since filing a statement of claim is the beginning of a legal process. But in the event that you are right, all costs will be compensated to you.
3
In the event that from actions or omissionsyou are liable for losses, you can apply to the prosecutor's office. To the application you need to attach all the documents proving your rightness, correspondence with the insurer, as well as documents on payment of necessary insurance premiums and other fees. The prosecutor's office considers the appeal within a month, but if you are affected not only by you but by a number of others, 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 persons.
4
For a positive outcome of the case, it is required to know notonly, where to turn, but also how to properly draw up a complaint. First, you need to state the essence of your claim, specify specifically what you are complaining about, specify the item of the insurance contract that the insurance company violated. Therefore, before signing the contract, you should read it very carefully, because often what is written in the contract and what the agent tells you when it is concluded is significantly different. Also, you need to attach all the documents you have that can confirm your words.
5
A well-formed complaint allowssupervising organizations to look closely at the activities of the insurance company, perhaps even to initiate a process of suspension or revocation of a license. As the supervising organization can send a copy of the appeal to the insurance company with an explanation request. For an insurance company, this is a much greater threat than any court decision. Therefore, if you initially compose a complaint properly, you have a chance to get what you are entitled to in a pre-trial order.
