Insurance Practice. What can you do in the event of a dispute with your car insurer?

Whatever dispute may arise between you, there is a procedure to follow. You must first contact the company, be it a consultant, general manager, broker or customer service; the second step is through the insurance mediator and, as a last resort, justice. All remedies are indicated in the contract.

To report your disagreement, you must send a registered letter with acknowledgment of receipt before the two-year limitation period. The limitation period is the period beyond which you can no longer exercise your rights.


Insurance mediation is carried out by a person outside the insurance company; they can be named in the contract. The “Insurance Mediation” association has 21 days to decide on the admissibility of your case. It will in principle have to give its opinion within 3 months, although in fact, this period may approach, in some cases, 6 months. Photo of DR

Explain the reasons

With your registered letter, attach all the necessary supporting documents in order to assert your rights. At this point, a transaction may end the dispute.

Unfortunately, if you do not get the answer that satisfies you, you can contact the réclamations de l’assurance service. Again, the use of the registered letter is necessary (suspension of the offense of legal prescription).

He will have to explain the new nature of the dispute and you have requested that all the documents useful. Keep track of your mail and attachments.

After the claim, the mediator

Le service reclamations should respond within 2 months of receiving your courier. If you do not need an answer or an amicable settlement of the dispute, you can contact the mediator free of charge.

This is the third floor of the rocket. As of September 1, 2015, insurance mediation is simplified: the association “La Médiation de l’Assurance” provides policyholders with a single intermediary, who is responsible for resolving the issue of amicable settlement. You can reach him by mail at: Insurance Mediation – TSA 50 110 – 75441 Paris Cedex 09.

Again, send your mail with all the parts (in copy), including your exchanges with the insurance.

In the event of a dispute, if the amount of the claim exceeds € 10,000, you will have to be represented by a lawyer in the High Court.  Problem with insurance, you are not sure how to win… Fotografie DR

In the event of a dispute, if the amount of the claim exceeds € 10,000, you will have to be represented by a lawyer in the High Court. Problem with insurance, you are not sure about winning… Fotografie DR

Recourse to justice

The mediator gives his opinion within 3 to 6 months. If you have made the decision, it does not suit you, you are left with the possibility of making tranche to differentiate yourself through justice. What stages of litigation cannot be committed after you have learned the amicable appeal.

Up to an amount of € 10,000, you must go to the District Court; beyond that is the TGI (High Court) where you must be represented by a lawyer. Moreover, be careful.

Pursuant to Article 700 of the Code of Civil Procedure, the losing party will have to reimburse the other party to the costs. You may need to find another insurer at the end of the procedure.

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