Insurance Law

Insurance law: inform in good time

Nowadays, there is almost no aspect of life that cannot be covered by an insurance policy. The field of insurance law is broadly diversified and applies both in the area of private provision and in corporate risk minimization. Many insurance policies are almost regarded as basic equipment for a “carefree” life. For example, liability, health and household contents insurance can be found in almost every household.

Taking out an insurance policy is never an end in itself for the policyholder, but is always linked to an expectation of benefits in the event of a claim. However, finding the right offer that fits your life plan or your entrepreneurial risk is not easy. The insurance market is a jungle that is hard to penetrate, with strongly profit-oriented players and companies that often place their own interests above those of the policyholder. Consulting an independent insurance law attorney can already be worthwhile before taking out a policy, in order to properly assess the offer and have the insurance policy professionally checked for pitfalls and “loopholes”. Often small details in insurance contracts decide whether the offer is practical and recommendable. Please feel free to contact us about this.

What to do if the insurance does not pay

As already mentioned above, insurance companies are profit-oriented companies with classic economic goals. The benefit claim in the insurance business is, especially in the case of high sums and frequent occurrence, always a “worst-case scenario” for the insurance provider. More and more frequently we see in practice unjustified refusals to settle or intentional delays on the part of insurance companies to avoid a costly settlement of claims. Since insurance policies usually serve to cover substantial risks, non-payment by the insurer often results, in many cases, in considerable financial losses for the policyholders affected. Fast solutions and a professional approach to the practices of insurance companies are therefore of the utmost importance for the insured. The correct procedure in the event of a claim, with regard to observing deadlines, explaining how the damage occurred, etc., plays a role in the actual settlement of the claim. Here, too, it is important to seek expert advice in order to assert your own claims against the insurer. A correct and well-founded approach is often already sufficient to achieve an out-of-court settlement by the insurer. If this does not succeed, legal proceedings often remain unavoidable.

We are happy to support and advise you comprehensively on the subject of insurance law and represent your interests in court. Write to us about your case!

How we support you in the area of insurance law

• Advice before taking out insurance contracts
• Individual advice on existing contracts
• Advice in the event of a claim
• Professional review and assessment of your individual case
• Asserting claims arising from insurance contracts
• Rescission of contracts
• Advice and representation in judicial and extrajudicial disputes
• Representation in repayment claims brought by insurance companies

Helpful articles on the topic of insurance and insurance law

• Business closure insurance
• Legal restriction to the surrender value in the event of revocation of life insurance policies is contrary to EU law
• Federal Court of Justice: insurance brokers do not have to look after customers on a permanent basis
• Why private basic pensions often lead to losses for policyholders

Overview of advisory services in insurance law

Do you have questions?

Please do not hesitate to call us for an introductory conversation. I will gladly take the time personally to review your case and give you an estimate of the work involved.

That way, you will already be one step further!

You can reach us by phone at +49 89 / 17 90 900 or by clicking the button:

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Dr. Johannes Fiala

Your lawyer in Munich is reliable and competent, always by your side.