Kindlustusnõue

Kindlustusnõue refers to a formal request made by an insured party to their insurance company for compensation after experiencing a loss or damage that is covered by their insurance policy. This process is initiated when an event occurs that triggers the terms of the insurance contract.

The insured party must typically submit a kindlustusnõue within a specified timeframe, as outlined in the policy. This claim usually involves providing detailed information about the incident, including the date, time, location, and nature of the loss or damage. Supporting documentation, such as photographs, repair estimates, police reports, or medical records, is often required to substantiate the claim.

Upon receiving the kindlustusnõue, the insurance company will investigate the claim to verify its validity and determine the extent of their liability according to the policy's terms and conditions. This may involve appointing an assessor or adjuster to evaluate the damage.

The insurance company then decides whether to approve or deny the claim. If approved, they will offer a settlement amount, which the insured party can accept or reject. If denied, the insurer must provide a clear explanation for their decision. In cases of disagreement, the insured party may have recourse to dispute resolution mechanisms, such as arbitration or legal action. The kindlustusnõue is a fundamental aspect of the insurance relationship, enabling policyholders to recover financial losses covered by their insurance.