Insurance service

The processing of claims for property damage in car insurance through direct compensation agreements has been seen to have implications for legal protection insurance. In addition to the above, it is believed that from the point of view of legal protection, the consideration of claims in accordance with these agreements can create a situation similar to a conflict of interest situation, given that the subject must be a claim, in turn, is one that is subrogative in the position of the insurer responsible party, that is, the declared organization.

In the cases described, the insured under the guarantee of legal protection (and, in turn, the victim in the area of ​​civil liability) may remain in a situation of defenselessness, since his own insurance company will protect its interests, requiring the insurance organization responsible for the incident to act on processing the specified incident on behalf of last one. Thus, sometimes situations arise in which the applicants complain that their own organization not only does not protect them, but is one that rejected all or part of the losses they claim, or decides that the opposite is not a liability, and therefore That claim is unenforceable.

Consequently, in these cases, even if the insured / injured person does not agree with the decision of his insurance company (which refused full or partial compensation for the understanding that the accident did not occur in accordance with the conditions declared by the insured or because losses were estimated to be smaller ), it was received that the company will not continue to demand on its behalf, but informs you that it considers this requirement to be impracticable and that you have the right to freely choose a lawyer and a lawyer for protect your interests and represent you before the courts.

It should also be borne in mind that, as follows from the direct compensation agreement, the interests of entities that have processed claims under it may conflict with the interests of their insured, as they can be fined if they decide to file a lawsuit for agreeing to the compensation received. Therefore, taking into account possible contradictions, it is believed that entities should consider this situation similarly to the case of a conflict of interest in legal insurance, applying the rules that are consistent with this assumption and were discussed above.

Public insurance adjusters. The rights and obligations of the contracting parties are defined in the policy. Having paid his premium account, the policyholder confirms that he has received the contract documents and noted that some contract documents are available in electronic form in accordance with the article and, in particular, got acquainted with the information contained in them regarding the risks insured, the amount of insurance coverage due contributions and other obligations, as well as the term and termination of the contract.

Well, in these situations, legal insurance companies will have to report a conflict of interest when the insured seeks legal assistance, and the organization discovers that such a conflict arises. When assessing the case, the subject can offer his assistance to the insured, but at the same time inform him of the existence of a conflict of interest and the possibility of a free appointment of a lawyer to protect his interests.

However, there may be other cases, as will be seen when considering protection guarantees / claims for damages to car insurance, in which the insurer of the injured party as a result of the accident must sue the person responsible for the accident, process the losses and assess the damage on behalf of and by on behalf of the insurer of the responsible party for all direct compensation agreements concluded between insurance companies, which in practice are placed in accordance with the agreement, in a situation similar to that which was observed in the previous case.

For its part, the insurer must monitor the risks associated with its survival, such as milk on fire, in particular the main changes that indicate the horizon (climatic, demographic, as the individual behavior generated by these changes (new products and how to use them). Finally, we mention the precautionary principle, in addition to prevention, when we know little about risk or even when we know little about its existence, in a state of modern scientific knowledge and its dangers of materialization. It is not always possible or desirable, technically or financially, insurance companies, even the most important of them, could not compensate for the risks associated with the series or the consequences of emergency disasters, and then they resorted to financial methods.