Insurance Disputes

Insurance Disputes​

Insurance policies are designed to provide financial security, but disputes can arise when claims are denied or underpaid. Insurance Disputes involve conflicts between policyholders and insurers over the terms and application of an insurance policy.

Common Causes of Insurance Disputes

  1. Claim Denials: Insurers refuse to pay, citing policy exclusions or conditions.
  2. Underpayment of Claims: Disputes over the value of compensation.
  3. Policy Interpretation: Differences in understanding policy terms.
  4. Delayed Payments: Unreasonable delays in claim processing.

Legal Framework for Insurance Disputes

UK insurance law is governed by:

  • Insurance Act 2015: Regulates fair treatment of policyholders and disclosure requirements.
  • Consumer Rights Act 2015: Applies to unfair terms in consumer insurance contracts.

Resolving Insurance Disputes

  1. Negotiation: Direct discussions with insurers.
  2. Complaints to the Financial Ombudsman Service (FOS): A free service to resolve disputes.
  3. Litigation: Taking legal action against the insurer.

How HPA Solicitors UK Can Assist

At HPA Solicitors UK, we specialize in resolving insurance disputes. Our team ensures you receive fair treatment and rightful compensation under your policy.

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