Lawyer for insurance compensation Bucharest

Description

Insurance compensation lawyer in Bucharest

Has the insurer refused payment, made an offer you dispute, or delayed handling your claim? We review the policy, insurance terms and documents to identify the appropriate steps for your compensation claim.

The type of insurance and the reason for the refusal matter

RCA, CASCO, home insurance and other products do not have identical conditions. We verify the event, the covered risks, the exclusions, the notification obligations and the person entitled to payment. A premium paid alone does not prove that any damage is covered.

What assistance can include

Analysis of the policy and of the general and special conditions.
Preparation of the claim for compensation and the supporting documents.
Analysis of the refusal or payment offer.
Preparation of the necessary correspondence and complaint.
Evaluation of extrajudicial means and representation in the litigation.

RCA: the insurer's response and the payment of compensation

Article 21 of Law No. 132/2017 provides for a period of 30 days from the submission of the claim for compensation for the justified offer or the communication of the reasons for the total or partial rejection. Keep the proof of the submission of the claim; the mere notification of the damage and the request by which you formulate the claims must be identified separately in the documents of the case file.

The payment of the RCA compensation has a separate deadline: 10 days from the acceptance of the offer or from the insurer receiving the final decision or the agreement of the dispute resolution entity regarding the amount due. For late payment or unjustified reduction of the compensation, Article 21, paragraph (5) provides for penalties of 0.2% per day, calculated on the amount due or the remaining unpaid difference. If the insurer fails to meet the response deadline, the penalties begin to run from the expiration of the 30 days, according to the Decision of the Supreme Court of Cassation and Justice No. 18/2023. Keep the offer, proof of acceptance, and proof of payment to verify the amount and the period of delay. These RCA rules do not automatically transfer to a CASCO policy or a home insurance policy.

Proof of the damage

Prepare documents showing how the insured event occurred, the assessment of the damage and the extent of the loss. Depending on the claim, photographs, repair estimates, invoices, valuations and medical records may be relevant. We check whether the evidence supports the amounts claimed, without promising that every amount requested will be awarded.

Amicable settlement and dispute

For consumers, we verify that the conditions for an SAL-Fin procedure, distinct from the petition to the ASF and the court action, are met. The free alternative dispute resolution procedures are not to be confused with the private legal assistance provided by the firm. If the insurer is in a special situation, we identify the applicable regime and procedures.

Documents for the first discussion

Prepare the policy, insurance terms, proof of premium payment, compensation claim, claim reference number and all responses. Add evidence of loss and proof that correspondence was sent or received. Specify the dates of the event and notification, and whether you have signed an acceptance or settlement agreement. Do not assume that a complaint automatically extends the time limit for bringing a court action.

Frequently asked questions

Should a small offer be accepted immediately?

We review the documents and the consequences of accepting the offer before you decide, including any waiver of further claims.

Is any refusal illegal?

No. We analyze the motivation, the contract, and the concrete evidence.

Can you guarantee a higher compensation?

No. The assistance aims to support the application based on documents and applicable rules.

Request the analysis of the documents

Lawyer Constantin Andor has been a member of the bar since 2000 and has operated his law office since 2007. Services and fees are agreed in a legal assistance contract after the objective and documents have been clarified. The law office works with lawyers and experts according to the needs of the case. We do not guarantee a particular outcome or duration.

Call: 0732.710.701 · Contact us on WhatsApp · Contact form. Mention any approaching deadline. Confidential documents should be sent using the method agreed with the law office.