Contract interpretation and breaches of duty – your rights vis-à-vis the insurer
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Contract interpretation in insurance law
The Contents an insurance contract is for policyholder Insurance terms and conditions are often difficult to understand. They contain numerous clauses whose meaning only becomes relevant in the event of a claim. If disputes arise regarding the interpretation of the contract, [the following] represent the interests of the insurance company. insurer often a narrow interpretation to the detriment of the Insurance.
Our law firm thoroughly reviews insurance contracts and assesses the interpretation of the contracts according to the guidelines of the VVG. Unclear or contradictory clauses regularly work to the detriment of the insurer. The aim is to achieve a legally sound interpretation and to enforce the policyholder's existing claims for benefits.
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3Unclear clauses and their legal assessment
Many insurance contracts contain clauses that are not easily understood by policyholders. In practice, insurers frequently invoke such clauses to reduce or completely deny benefits. Legal review is crucial, especially when interpreting such contracts.
Our work in insurance law includes the legal assessment of unclear clauses and their compliance with statutory requirements. This involves examining whether the insurer's interpretation is permissible or whether the policyholder has a further claim arising from the policy. Insurance is entitled to.
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Allegation of breach of duty
A common reason for rejection is the accusation of Breach of duty. Insurers argue that the policyholder has failed to comply with his obligations. Obligations injured – for example, by allegedly false or incomplete information. Such a Injury In the insurer's opinion, this may lead to a complete or partial loss of insurance coverage.
After VVG However, not every breach of duty automatically entitles the insurer to benefits. Our firm examines whether a duty actually existed, whether it was breached, and whether the insurer is legally entitled to invoke it. In many cases, the allegations prove to be unfounded or legally insufficient.
Defense against unjustified benefit denials
If a benefit is denied due to an alleged breach of duty, we consistently represent the policyholder against the insurer. Our legal review includes the contractual obligations, the temporal connection to the breach, and the question of whether the insurer has actually suffered a disadvantage.
Especially in complex cases, structured legal representation is crucial. Our firm is committed to ensuring that insurers do not use breaches of duty as a blanket ground for denial, but rather fulfill their obligation to provide benefits. Insurance progeny.
Importance of obligations in the insurance contract
Obligations are the duties of conduct of the policyholder, which are stipulated in the insurance contract or by law VVG These regulations are in place to enable insurers to properly assess risks and investigate claims. In practice, they are used... insurer However, these regulations are often used to limit benefits from the Insurance to shorten or reject completely.
Our law firm examines whether an obligation was actually validly agreed upon and whether the policyholder can even be accused of breaching their obligations. Not every alleged obligation Injury justifies a reduction in benefits or the loss of insurance coverage.
Post-contractual obligations and their limits
Of particular importance are so-called post-contractual obligations, such as duties to cooperate or provide information after the occurrence of an insured event. Insurers frequently claim that the policyholder has jeopardized their claim through delayed notifications or incomplete information. Breach of duty committed.
After VVG However, it is crucial whether the breach was actually the cause of the claim review. Our firm assesses whether the insurer can legally invoke a breach of duty or whether the claim is unfounded. Insurance is still owed.
We stand by your side
Allegations of Breach of duty Disputes over contract interpretation present policyholders with significant legal challenges. Our law firm will guide you through these disputes with the necessary expertise and assertiveness.
We review your insurance contract and assess your obligations according to the... VVG and represent your interests vis-à-vis the insurer – with the clear goal of defending against unjustified denials of benefits and securing your insurance claims.
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