Problems with your insurance?
It is common to pay for insurance, without knowing the contracted conditions, since the insurance company has not made the agreed policy available to us. The situation can still get worse, when, for example, we cannot choose our home insurance, since our bank has forced us to take out insurance to be able to obtain a mortgage with them with a better differential, but paying more and perhaps, a policy less complete than others on the market.
Faced with these situations or others that pose a problem with your insurance companies, Audacia Abogados can go, they will obtain information and advice on their rights.
What is an insurance contract?
Article 1 of the Insurance Contract Law, of October 8, 1980 defines an insurance contract as one by which the insurer is bound, by collecting a premium and in the event that the event occurs whose risk is Coverage object to indemnify, within the agreed limits, the damage caused to the insurer and to satisfy a capital, an income or other agreed benefits. There are different categories of insurance contract: home, accident, transport, life, health, theft, etc.
Every user must be clear that your rights start from the signing of the contract, and for this it is convenient when hiring, to be advised by a lawyer. At Audacia Abogados, we can help and advise you with the conditions that are intended to be agreed, as well as the risks or consequences that may arise from them. In addition, it is appropriate to know that you have the right to choose the language of writing the conditions, as well as the right to obtain the policy where all the agreed coverages are established.
What conditions are established in an insurance contract?
The coverages that are implemented in the policy are defined and specified through the conditions. Through the coverages, the insurance company assumes the commitment to indemnify the insured or his beneficiaries, up to an agreed economic limit.
In any insurance coverage, they are the most important thing to take into account when hiring. We must take into account the risks we run and what is the best coverage to hire for the compensation of possible claims. For this, the best option is to have lawyers specialized in the matter.
In an insurance contract there may be two types of conditions, general and particular.
- The general conditions are the clauses previously drawn up by the insurance company and which are usually established in all contracts of the same category, such as home insurance.
- The particular conditions are those that are not applied en masse for a category of contracts, but are written expressly for the specific insurance contract that the policyholder is going to sign. For to their individual nature, they apply in preference to the general conditions, in addition to being able to modify the latter, such as the coverage limits.
However, it is important not to confuse the conditions established in an insurance contract with the appendices or supplements.
Appendices or supplements are documents that modify what we had previously agreed to, that is, they are modifications subsequent to the date of formalization of the contract. They must be formalized in writing and signed by the insurance contracting parties themselves or by their representatives.
We must bear in mind that it is true that not all circumstances are covered by our insurance, so it is convenient to advise you by Audacia Abogados, specialists in the field, before agreeing the insurance contract, to contract those conditions that establish better coverage to our personal and individualized situation, so that we can avoid the usual situation, of having spent years paying the insurance policy and when the day arrives, in which a claim occurs, the insurance company does not respond, or we receive a brief response , or directly tell us that the claim is not covered by our policy.
Call your lawyers in Torrevieja, and find out.