Contract interpretation and breaches of duty – your rights vis-à-vis the insurer
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Contract interpretation in insurance law
The contents of an insurance contract are often difficult for policyholders to understand. Insurance terms and conditions contain numerous clauses whose true meaning often only becomes apparent when a claim arises – for example, after an accident, a serious illness, or the onset of occupational disability. If disputes arise regarding the interpretation of the contract, insurers frequently advocate a narrow interpretation that is detrimental to the policyholder.
Our law firm comprehensively reviews insurance contracts and assesses their interpretation in accordance with the German Insurance Contract Act (VVG). In practice, this regularly reveals that... unclear, ambiguous or contradictory clauses These clauses can be interpreted unilaterally by insurers to reduce or completely deny benefits. However, such clauses are regularly contested. at the insurer's expense. The aim is to achieve a legally sound interpretation and to consistently enforce existing benefit claims of the policyholder.
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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. Typical examples include: broad exclusions of risk, unclear definitions of insurance claims or Ambiguous wording regarding performance requirements.
Legal review is crucial, especially when interpreting contracts. Our work in this area... Insurance law This includes the legal assessment of unclear clauses and their compatibility with legal requirements. It examines whether the insurer's interpretation is legally permissible or whether the policyholder is entitled to a further claim under the insurance policy.
We will take care of your case – quickly & with commitment.
Allegation of breach of duty
A common Reason for rejection The accusation is a breach of duty. Insurers claim that the policyholder has violated contractual obligations – for example, by allegedly providing false or incomplete information when concluding the contract or in the event of a claim. In practice, this applies, for example, to... Health questions, Damage reports or Obligations to cooperate.
According to the insurer, such a breach of duty often leads to a complete or partial loss of insurance coverage. However, according to the provisions of the German Insurance Contract Act (VVG), not every breach of duty automatically triggers a claim.
Our law firm examines whether a valid obligation actually existed, whether it was breached, and whether the insurer is legally entitled to invoke it. In many cases, such allegations prove to be unfounded or legally insufficient to justify a denial of benefits.
If your insurance company is causing problems – talk to lawyer Dario Kovac
Is your insurance company refusing to pay or delaying the settlement? Lawyer Dario Kovac He has been assisting clients with disputes with insurance companies, particularly legal expenses insurers, since 2019. His previous work at ARAG He is familiar with typical rejection strategies from practice.
- Review of your benefit claim
- Consistent enforcement
- No communication with the insurance company
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Defense against unjustified benefit denials
If a claim is denied due to an alleged breach of duty, we consistently represent policyholders against the insurer. Our legal review includes, in particular, the contractually stipulated duties, the temporal connection to the alleged breach, and the question of whether the insurer has actually suffered a concrete disadvantage.
Especially in complex cases – such as protracted illnesses or extensive damage events – structured legal representation is crucial. Our firm is committed to ensuring that insurers do not automatically use breaches of duty as grounds for denial, but rather fulfill their obligations under the insurance policy.
Importance of obligations in the insurance contract
Obligations are duties of conduct of the policyholder, which are regulated in the insurance contract or by law in the German Insurance Contract Act (VVG). They are intended to enable the insurer to accurately assess risks and properly investigate claims. In practice, however, these regulations are frequently used to reduce or completely deny insurance benefits.
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 violation 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 breached their obligations through delayed claims reporting, missing documents, or incomplete information.
However, according to the German Insurance Contract Act (VVG), the decisive factor is whether this breach was actually the cause of the benefit assessment or the amount of damages. Our law firm assesses whether the insurer can legally invoke a breach of duty or whether the insurance benefit 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.
Professional advice & support
We offer you a professional and comprehensive initial consultation in the field of insurance law. Take advantage of this opportunity and avoid mistakes.
