How to Appeal an Insurance Company’s Decision Regarding Motor Third-Party Liability (OC) Insurance?

When we suffer an unfortunate accident, we may encounter many difficulties in recovering the compensation we are entitled to from an insurance company. The procedures involved in seeking higher compensation can prove very complicated, and we may not have sufficient knowledge to successfully obtain the funds we are entitled to. The entire process can take up a great deal of our valuable time and require considerable energy and effort. Therefore, it may be worth seeking the assistance of professionals who deal with compensation claims on a daily basis.

Why is it worth seeking legal assistance?

Injured parties are often not fully aware of their rights. They may fail to submit all possible claims or document their case incorrectly. It can also happen that a client is unable to obtain all the documents relating to their case from the insurance company. Furthermore, there are cases where clients who submit their claims independently wait for months without receiving any response from the insurance company. By working with professionals, we can be confident that such a situation will not occur. Entrusting a compensation claim to a professional representative ensures that the case will be thoroughly analyzed and that all necessary documentation will be collected. The representative will handle all formalities on our behalf, know how to proceed in a particular case and what benefits we may be entitled to, and represent our interests before the insurance company.

A lawyer or a compensation law firm?

Hiring a traditional lawyer in such a situation involves costs from the very beginning. A lawyer must be paid regardless of the outcome of the case, which can be a significant burden for people struggling with a lack of available funds. Compensation law firms, on the other hand, generally do not charge upfront fees, with payment being made only after the case has been successfully resolved. This is a major advantage of a compensation law firm. The fee is paid when compensation is obtained for the client. It is usually calculated as a percentage of the compensation recovered by the firm, with the amount being agreed upon before the cooperation agreement is signed. Depending on the case, the percentage charged by the compensation law firm may vary. However, the compensation obtained may be significantly higher than if we had pursued the claim ourselves.

In addition to representing clients in disputes with insurers, compensation firms may also offer to purchase claims and provide an immediate cash payment (this applies to motor vehicle and personal injury compensation claims). After purchasing the claim, the company pursues additional compensation from the insurer on its own behalf. This is a solution for people who want to receive cash quickly, as additional compensation may be obtained within as little as 3 days.

What should you consider when choosing a compensation law firm?

Before deciding to seek professional assistance with formalities and pursuing compensation, we should consider several important factors. It is advisable to choose companies with several years of experience and an established position in the market. It is also important that the company specializes in the relevant type of compensation. If, after a car accident, we approach a law firm without experience in motor vehicle compensation claims, we may not receive as much compensation as expected. We should also be cautious of so-called “unethical compensation firms”. They may pressure clients into signing an agreement immediately after an accident or in hospital, when the injured person is still in shock. Another important issue is the agreement itself. The cooperation agreement should be clear and easy to understand and should specify the amount of the firm’s remuneration. All of these factors affect the quality and cost of the service.

If we are confident that we are entitled to compensation, it is worth seeking professional assistance. It is true that we may have to share part of the compensation, but considering that in many cases we might receive nothing if we pursued the claim ourselves, obtaining some compensation may still be the more beneficial option. Nevertheless, the amounts ultimately received by injured parties are often satisfactory and meet their expectations.