You might also ask yourself one of the following questions …
In principle, you have a claim against your insurer if the claim in question falls under the risk insured in the insurance contract and occurred within the insured period. This depends on the insurance conditions agreed in the insurance contract. In order not to jeopardise your insurance cover, we advise you to notify the insured event immediately. We will be pleased to check for you whether a claim exists against your insurer.
The violation of an existing obligation to provide information can endanger your insurance cover. In the worst case, this can lead to the insurance company being exempted from paying benefits. A breach of the obligation may result from the fact that you have already made false statements to your insurance company through gross negligence when applying for your insurance. However, your insurer must also have informed you in text form by separate notification that you are endangering your insurance cover by providing incorrect information. We will be happy to check with you whether this is the case and whether the insurer can claim exemption from liability.
If you as the policyholder violate contractual obligations, the insurer may under certain circumstances have the option of withdrawing from the insurance contract or contesting it. Due to the serious consequences for the insurance cover, the legislator and case law have developed principles that limit these possibilities of withdrawal and rescission. The prerequisite for this is that you have at least grossly negligently breached contractual obligations. In addition, it is a prerequisite that the insurer has pointed out this legal consequence to you in a separate notification in text form. In addition, the insurer’s release from liability requires that the breach of obligation for which you are accused was the cause for the conclusion of the insurance contract or the occurrence of the insured event. Whether the insurer is entitled to rescind or contest the contract depends on several factors. We will be pleased to check this for you.
… then we will be happy to help you. We have been advising and representing our clients nationwide for over 15 years.
Audit of insurance contracts
Judicial and extrajudicial enforcement of claims against the insurer in the event of damage