More and more clients face unjustified refusals by insurers to pay claims under comprehensive motor insurance. The most common reasons cited are “gross negligence”, “inconsistencies in the description”, “missing documents” or assertions that the damage is not covered. In many cases, these grounds do not comply with the law and represent an attempt to limit liability.
It is important to know that comprehensive motor insurance covers damage regardless of fault, except in cases of proven intent or serious violations such as driving under the influence of alcohol or drugs, or without a valid driving licence. The insurer must provide specific facts and evidence rather than general wording.
If a refusal is unlawful, you are entitled to submit an objection, complain to the Financial Supervision Commission and seek protection in court. A timely legal response significantly increases the chances of receiving full compensation.
