{"id":2498,"date":"2018-07-23T17:01:48","date_gmt":"2018-07-23T17:01:48","guid":{"rendered":"http:\/\/decottalaw.com\/?p=2498"},"modified":"2018-07-23T17:01:48","modified_gmt":"2018-07-23T17:01:48","slug":"insurance-claims-mortgage-health-claims-2","status":"publish","type":"post","link":"https:\/\/decottalaw.com\/nl\/insurance-claims-mortgage-health-claims-2\/","title":{"rendered":"Insurance claims – Mortgage and health claims"},"content":{"rendered":"

Insurance company products and services are very important, particularly when you are not in your home country and might not understand the implications of the various policy options. A good broker can help you but sadly we have heard of a number of cases in recent years where insurance companies are failing to honour policy pledge<\/strong>s, and this can lead to enormous stress at a time of ill-health or bereavement.<\/p>\n

In one recent example, a bank insurance to protect a mortgage holder was not paid out for more than two years, causing financial problems for the surviving spouse. We have also seen cases where a medical history was incorrectly assessed and a health policy did not pay out for vital treatment.<\/p>\n

Where the insurance is of low value or relates to an assessment of fault, it might not be possible to overturn a decision of the insurance company. However, if it does need to be challenged there are various options and a lawyer can assist with this. If you don\u2019t have the policy document it is necessary to send a burofax<\/em> to the company requesting sight of the policy and requesting payment.<\/strong> In some cases the company has to be forced to disclose the full terms of the policy in court as a preliminary step if litigation is required. If the company are not fulfilling the conditions, an order can be sought against them, including a request that they pay your legal costs.<\/p>\n

There is an authority which can sanction insurance companies but in some cases the only recourse is to the courts. The courts in Spain are now taking a much more supportive view of the rights of consumers, and claims are worthwhile where there is a clear breach of the obligations of the insurer.<\/strong><\/p>\n

For more information contact us on 952 527 014 or email on <\/strong>info@decottalaw.net<\/strong>.<\/u><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Insurance company products and services are very important, particularly when you are not in your home country and might not understand the implications of the various policy options. 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