Insurance Claims– Mortgage
and Health claims
Insurance company products and services are very important,
particularly when you are not in your home country and
might not understand all the implications of the various policy
options. A good broker can help you, but sadly we have heard
of a number of cases in recent years where companies are
failing to honour policy pledges and this can lead to enormous
stress at a time of ill health or bereavement.
litigation is required. If the company is not fulfilling the
conditions an order can be sought against them including a
request that they pay your legal costs.
There is an authority which can sanction insurance companies
but in some cases the only recourse is to the courts,
particularly as there is now far more consumer protection in
Spain.
In one recent example, a bank insurance protecting a mortgage
holder was not paid out for more than two years, causing
financial problems for the surviving spouse. We have also seen
cases where a medical history was incorrectly assessed and a
health policy did not pay out for vital treatment.
For more information contact us on 952 527 014 or email
[email protected].
De Cotta Law (De Cotta McKenna y Santafé)
Mijas-Costa / Calahonda – Coín – Nerja – Tenerife
Where the insurance is of low value or relates to an assessment
of fault, it might not be possible to overturn a decision of the
insurance company. However, if it does need to be challenged
there are various options and a lawyer can assist with this. If
you don’t have the policy document it is necessary to send a
burofax to the company requesting sight of the policy and
requesting payment. In some cases, the company has to be
forced to enter the policy into court as a preliminary step if
Nerja Office:
Calle Diputación 11, 29780 Nerja
Tel: +34 952 527 014
Fax: +34 952 523 428
www.decottalaw.com
E-mail: [email protected]
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