What are the reasons for refusing from paying insurance compensation?
2025-02-13 14:41
- intentional action or inaction of the policyholder (insured) in the event of an insured event occurred, with the exception of cases provided by law, as well as a deliberate crime directly related to the insured event;
- if the cause of the event is the result of circumstances that are not covered by insurance, unless otherwise provided by the contract;
- intentional failure to take measures by the policyholder (insured), if he is able to take the necessary and possible measures to prevent or reduce damage; In this case, the insurance payment may be reduced to the extent that the insured has reduced the amount of damage provided that he / she has taken reasonable measures;
- if the policyholder (insured) prevents the insurer from investigating the causes of the insured event;
- if the insurer is completely or partially deprived of the opportunity to assess the insurance risk, as well as to determine the causes and (or) the degree of damage as a result of the deliberate distortion of information by the policyholder (insured);
- if the accident is not considered an insured event under the law or an insurance contract;
- other cases prescribed by law.