Following a death, it is possible that your insurance refuses to compensate youRegardless of the reason for the refusal, you must take action to resolve as quickly as possible dispute with your insurance company. Check out what are the possible causes that can explain that your insurance refuses to pay, what the law says about it, and how to react. Be aware that the exclusion clauses of warranty does not lack when you sign an insurance contract. Of course, they are not always very explicit, nor put forward by your insurer, but they exist and you need to know before you sign. In case of refusal of payment, the first thing to do is to consult his her possible grounds of refusal, and check if they apply or do not apply to your case and are therefore admissible. Most often, the refusal to pay your insurance company if explain is not a problem in the interpretation of your hand regarding your situation. However, in other cases completely preclude the possibility of compensation, including: The best weapon you have if your insurer refuses to pay your funeral insurance remains to know your rights.
A contract of insurance is governed by the law and follows the code of insurance.
If you have kept your commitment (as stipulated in the contract signed with your insurance company), the latter has no other choice than to pay you your indemnity and you have every right to demand that you are paid the benefits shown in the funeral insurance. If you are not affected by an exclusion clause or that the contract has not been cancelled due to a false statement, it must stand by its commitment, in accordance with article of the civil code. The warranty however will not be the same according to your insurance contract (including life insurance or death). In the second case, it is a third person who will receive the sum stipulated in the contract, and this within a period of one month from the time the insurance has received your request (and if all the items in the folder). Beyond this period of one month (which is clearly stated in article L), and if the beneficiary still has not received her monthly pension or benefit, your insurer will be forced to pay you compensation for delay at the statutory rate plus one-half for the first two months, then double the legal rate until the return of the funeral insurance. You even have the option of engaging its responsibility, and your insurer may be ordered to pay damages and interest (on the basis of the damages suffered as a result of this delay). An amicable settlement is always preferable in a first time But if this is impossible, you can initiate legal proceedings against your insurer, the court of first instance (for a request of less than ten, euros) or large instance (for a higher amount). The first thing to do, before getting to the trial, is to send a"Mise en cause"your insurance company (a free procedure). It is a letter of conciliation to the court, in which you explain the nature of the dispute and your query (in this case the refund of your security or pension). You can also choose to go through a mediator to resolve amicably the dispute between you and your insurer. This procedure is not possible, however, that if all other remedies amicably have failed, and if you don't have pa yet initiated legal proceedings. You will need to send a request to your insurance company: a mail which will have to be registered and with acknowledgement of receipt to the Mediation service of your insurer to appoint a mediator who will handle your dispute. It is the service that will forward your file to the mediator: a person competent, independent and neutral, which will have no link with your insurer. If the settlement of your different fails, you will need to send a remains to your insurance company.
Legally justified and accompanied by a declaration lodged at the registry, it will allow you to send a first warning to your insurer.
If he does not respond within a period of eight days, the case will be entered by the competent French courts (depending on the amount of the pension.
