New insurance rules from October 2024

What payment dates must insurers respect?

Insurers will now have to period of 30 days to compensate an insured or a victim, and this from the date on which the amounts due were determined by agreement.

Note that the date actually starts from the moment:

• where the insured received all the information he asked for to the victim or their insurer to assess the amount of compensation.
• and how long without conflict in relation to the coverage of the loss and/or the amount of compensation payable.

So this second element can lead to several situations.

The insurer does not contest the coverage of the loss

If the loss is covered and the insurer he does not honor the payment datethe final amount of the intervention must be accompanied by an amount equal to twice the legal interest calculated on the amount due. In 2024, it matures 5.75%.

The insurer objects to cover the loss

If the insurer competes, it must must contact you with a reasonable response of the reason for rejection. This response should be addressed not more than three months from the date you sent them the claim report.

If he does not respect this datehe must pay a sum of money to the person who requests the intervention of the contract 300 €.

Note that these penalties are only payable if the insurer has sent a reminder letter by registered post to the insurer. The latter must then be sent reply within 11 days. If no response is received from him after this time, he will have to pay an additional lump sum €300 per day late.

You do not agree with the insurer’s recommendation

If the insurer gives you compensation and you object, ihe must in all cases pay you at least the sums agreed upon by both parties within 30 days which follows the recommendation of the insurer.

To recover the amounts you are disputing, call your own expert. The costs associated with this intervention may be covered (in part or in full) by the Legal Protection guarantee in your contract, or by the Extended Legal Protection insurer you may have have subscribed.

As fast as you areagreement on the final amountthe balance must also be to be paid within the legal period of 30 days (after closing the experience). If this is not the case, the insurer must pay you interest on the relevant amounts equal to twice the legal interest calculated on the remaining amount. In 2024, it matures 5.75%.

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