How to contact an auto insurance mediator in the event of a dispute?
If there is no response from the claims department to resolve the auto insurance dispute or if it is simply not right for you, the insurance mediator may be called upon.
The insurance mediator is an independent authority external to insurance companies. He accompanies and helps find an amicable solution to an auto insurance dispute between policyholders and insurers who are members of the Insurance Mediation.
It can be entered by mail or electronically by the insured or his representatives, consumer associations, legal professions, public authorities and the insurer in agreement with his client. The insurance contract usually indicates his contact details or that of another mediator in the event that the insurer is not a member of the authority.
The appeal to Insurance Mediation is free and anonymous, but you must first be able to prove that you tried to resolve the auto insurance dispute amicably in writing and have not taken any legal action. After receipt of the request, the body responds within 90 to 180 days or warns of a delay in processing and the procedure suspends the limitation period of 2 years. During the procedure, you have the option of being assisted by an insurance lawyer and therefore a specialist in auto insurance.
You can find out about the list of insurers who are members of the Insurance Mediation.
How to judicially challenge an insurer's decision?
Legal proceedings in the auto insurance dispute, which is always to be done as a last resort, may begin if the previous steps have not been successful. You should know that this process can be long and expensive. Knowing which court has jurisdiction depends on the degree of importance of the dispute.
For a dispute less than or equal to € 10,000, legal action against auto insurance is carried out with the local court or the judicial court. In the event that the sum is greater than € 10,000, only the judicial court must be seized. A lawyer must represent you in the event that the sum reaches 10,000 €. For a lower amount, it is not mandatory, but recommended to obtain more solidity in winning the case.
Regarding the place of the seizure, you have the choice between the jurisdiction of your place of residence or that of the place of occurrence of the auto accident.
When the dispute relates to compensation for bodily injury, the limitation period for instituting legal proceedings is reduced from 2 to 10 years.
Is the Prudential Control and Resolution Authority a solution in the event of an auto insurance dispute?
The Prudential Control and Resolution Authority, or ACPR, monitors, among other things, the activity of banks and insurers. As a professional or an individual, it is possible to take it to express your dissatisfaction with the auto insurance company.
Unlike the insurance mediator, she does not settle the auto insurance dispute between the customer and the company, but answers questions about the regulations and the practices of the players concerned. To request it, elements must be sent by mail or electronically, such as:
the identity of the applicant;
the auto insurance company concerned;
the presentation of the situation and the dispute;
a copy of the insurance contract.
Is the legal protection guarantee useful in the event of an auto insurance dispute?
Legal protection coverage is generally included in home insurance contracts, auto insurance or with certain bank cards. It can be useful to you in the event of an auto insurance dispute, unless it is part of the same contract of the insurer being sued.
With legal protection, you can be accompanied and legally helped to know your rights and the possible steps. Likewise, during a trial, payment of legal, procedural or ancillary costs may be advanced or reimbursed by the insurer.
The latter, however, has the option of opposing the lawsuit if he considers it to be unwarranted. There are also compensation floors and ceilings, so it's important to be well informed about the various conditions beforehand.
Auto insurance dispute claim: our free model
We provide you with our standard mail for your auto insurance dispute to download free of charge and send by registered mail within 2 years. Before using it, be sure that you are not in a situation of exclusion of the guarantees appearing in the contract.
auto insurance claim letter template
Standard letter - Auto insurance claimDownload
Compare auto insurance
Faq
إرسال تعليق