How can I defend myself against a termination of my insurance policy?
September 11, 2022 | 40,00 EUR | answered by Katrin Sontheimer
Dear Sir or Madam,
I am writing to you with an urgent question regarding my insurance policy. Recently, I received a letter from my insurance company informing me that my insurance policy is to be cancelled. This came as a complete surprise to me and I am concerned about the consequences that a cancellation of my insurance could bring.
My current insurance policy is of great importance to me as it provides me with protection and security in various areas of life. A cancellation of this policy would mean financial uncertainty for me and could potentially lead to major problems in case of an emergency. I have always paid my premiums on time and see no reason for the cancellation of my insurance.
Therefore, I would like to know what legal steps I can take to defend myself against the cancellation of my insurance policy. Are there any ways to appeal or prevent the cancellation? What rights do I have as the policyholder in this situation and how can I best represent my interests?
I ask for your help and support in this matter, as I am very worried and unsure of how to proceed. Thank you in advance for your assistance.
Sincerely,
Elvira Eder
Dear Mrs. Eder,
I understand your concern regarding the cancellation of your insurance policy and would like to help you to represent your interests. First of all, it is important to clarify why your insurance company has issued the cancellation. In most cases, a cancellation occurs due to non-payment of premiums, violation of duties, or due to increased risks.
However, if you believe that the cancellation is unjustified, you have various legal options available to you. First, you should challenge the cancellation in writing with the insurer and request a justification. It is important that you do this within the deadline specified in your insurance contract. Then, you should consult a specialist lawyer in insurance law to discuss your further legal options.
In many cases, it is possible to challenge the cancellation due to formal errors or lack of legality. A lawyer can assess whether the cancellation was legally correct and whether you have a good chance of successfully challenging it. Furthermore, a lawyer can help you defend your rights as an insured party and represent your interests in court if necessary.
It is important that you keep all documents and correspondence with your insurance company carefully and provide them to your lawyer. The more information you have available, the better your lawyer can assess your situation and help you enforce your rights.
I strongly recommend consulting a specialist lawyer in insurance law as soon as possible to discuss your situation and review your case. With professional support, you have the best chances of successfully challenging the cancellation of your insurance policy and representing your interests.
I hope that my response helps you and wish you success in enforcing your rights as an insured party.
Sincerely,
Katrin Sontheimer
