Insurance lawyer Warsaw

Insurance claims attorney

Legal assistance in disputes with insurers and pursuing compensation claims

Insurance law covers matters in which the effective protection of the insured’s interests in relations with insurance companies is of key importance.

In practice, many people face refusal of benefit payment or its reduction. In such situations, assistance from an insurance lawyer can significantly increase the chances of obtaining due compensation.

The law firm provides legal assistance in insurance matters, including contract analysis, handling appeal proceedings, and representing clients in disputes with insurers. Support is primarily directed to individuals pursuing claims under property and personal insurance policies.

The assistance covers in particular cases involving refusal to pay compensation, undervaluation of damages, issues with life insurance policies, motor liability and comprehensive insurance (OC/AC), as well as claims arising from unforeseen events.

Each case is analysed individually, taking into account the insurance contract terms, general insurance conditions (GIC), and insurers’ practices. The aim is to develop an effective strategy of action – both at the pre-litigation stage and during court proceedings.

Insurance law services

  • Analysis of insurance contracts and general insurance terms and conditions (GTC).
  • Assessment of the validity of refusal to pay compensation.
  • Verification of the amount of the awarded benefit (underestimated compensation).
  • Preparation of appeals against the insurer’s decisions.
  • Conducting negotiations with insurance companies.
  • Pursuing claims for property and personal damages.

Representation and proceedings

  • Representation in disputes with insurance companies.
  • Drafting lawsuits for payment of compensation.
  • Representation before common courts.
  • Support in cases involving third-party liability (OC), comprehensive motor insurance (AC), personal accident insurance (NNW), and life insurance policies.
  • Assistance in pursuing claims for personal injury.
  • Advisory services at every stage of the proceedings.

What problems can be encountered when dealing with an insurer?

Many people encounter refusal to pay benefits or their reduction.

In many cases, disputes with insurers also concern the pursuit of due benefits, including compensation. More information is available in the section on compensation.

If you have also experienced problems with the refusal of insurance payment or believe that your benefit has been unfairly reduced, please contact our law firm.

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What to do if the insurer refuses to pay compensation?
When an insurer refuses to pay compensation, it is important to first carefully analyse the decision and the justification provided. In many cases, the next step is to submit an appeal or complaint to the insurance company, referring to the policy terms and the circumstances of the case. If this does not lead to a positive outcome, it may be necessary to pursue the claim through court proceedings.
Underpaid compensation – what options are available?
If the compensation awarded is too low, the first step is usually to verify the insurer’s calculation and compare it with the actual extent of the damage. You can then submit an appeal or request a reassessment of the claim, presenting additional evidence such as expert opinions or documentation of losses. If the insurer still refuses to increase the payment, it is possible to pursue the remaining amount through court proceedings.
Appeal against an insurer’s decision
Although many people look for appeal templates, in practice the effectiveness of such a document depends on proper legal argumentation and reference to the specific contract and circumstances of the case. Professionally prepared appeals often significantly increase the chances of the insurer changing its decision.

Frequently Asked Questions

Below are answers to the most frequently asked questions regarding insurance matters.
1Is it worth submitting an appeal against an insurer’s decision?
Yes – in many cases an appeal is justified, especially if the insurer has refused to pay compensation or significantly underestimated the damage. A well-prepared appeal, supported by evidence and legal arguments, can lead to a change of decision or a higher payout.
2How long does a dispute with an insurer take?
The duration of a dispute with an insurer varies depending on the complexity of the case. Pre-litigation proceedings, such as appeals or negotiations, may take several weeks or months, while court proceedings can last significantly longer, often from several months to even a few years.
3Can additional compensation be claimed?
Yes – it is possible to pursue a supplementary payment if the originally awarded compensation is too low. This can be done through an appeal or negotiations with the insurer, and if necessary, by filing a claim in court to recover the remaining amount.
The law firm also handles social security matters, including appeals against ZUS decisions – details in the section disputes with ZUS.