Insurance disputes lawyer in Almaty — we recover what the insurer underpaid

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A lawyer checks the insurance company's calculation against an independent assessment of damage

We examine the insurer's calculation and show exactly where the amount is understated
We arrange an independent assessment — without it, a dispute over payment is pointless
We recover the underpayment together with a penalty for delay
First consultation free of charge, payment after assessing the prospects

Insurance disputes

We handle disputes under compulsory civil liability insurance, CASCO, home and health insurance

We challenge refusals and understated calculations by insurance companies

We calculate the penalty for each day of delayed payment

We work with independent assessment and forensic examination

We see the case through until the money actually reaches the account

Send us the insurer's calculation or refusal — we will tell you how much was underpaid and whether it is worth disputing.

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9^years

in insurance disputes

Compulsory civil liability insurance, comprehensive insurance, medical and property insurance — underpayments, refusals and delayed payments.
180⁺

disputes with insurers

Cases against all major insurance companies operating in Kazakhstan, including refusals based on expert examination.
2,4^×

average increase in payment

This is the average multiple by which the payment grows compared to the insurer's initial calculation.
0^₸

initial consultation

We review the refusal or calculation and tell you how much should have been paid under the law.

Underpayment

The most common case: the insurer's calculation is based on inflated wear and tear and an understated hourly rate. The difference is recovered through a pre-action claim or court.

Refusal to pay

A refusal without reference to a specific clause of the rules, references to 'unforeseen circumstances' and late notification — all of these can be challenged.

Late payment

The insurer drags things out and keeps asking for documents in circles. A penalty accrues for each day of delay, which the company itself will not remind you about.

Dispute over the at-fault party in a road accident

If fault is determined incorrectly, there will be no payment at all. We challenge this through case materials, camera footage and motor vehicle technical expertise.

Comprehensive insurance and hidden conditions

Refusal due to a deductible, the 'wrong' driver behind the wheel or the absence of an alarm system. We examine the contract and the insurance rules in full.

Home and property insurance

Flooding, fire, theft: understatement of the repair sum, refusal on formal grounds, dispute over wear and tear of finishes.

Life and health insurance

Denials for injuries and illnesses, disputes over the amount of insurance cover, recovery upon the occurrence of an insured event.

Court and enforcement of the judgment

We handle the case without your involvement and see the recovery through until the money reaches your account.

Send us the calculation or the denial — an insurance disputes lawyer will tell you how much has been underpaid

The first consultation is free. If the underpayment is less than the cost of the dispute, we will say so directly and advise you on how to act on your own.

Message us on WhatsApp +7 778 325 44 44

The payout was reduced
A denial was received
Payment is delayed

Cost

Prices for a lawyer's services for insurance disputes

Indicative prices. The exact amount is quoted after reviewing the insurance contract and the insurer's calculation.

Service	What is included	Cost
Consultation on a denial or calculation	Review of the insurer's documents and assessment of the prospects	free of charge
Legal opinion	A written review of the contract, insurance rules and calculation	from 25,000 ₸
Claim to the insurance company	Calculation of the underpayment and penalty, sending of the claim	from 30,000 ₸
Statement of claim against the insurance company	Drafting the claim with a calculation of the demands and annexes	from 45,000 ₸
Conduct of an insurance dispute in court	Full support of first-instance proceedings through to judgment	from 160,000 ₸
Dispute over the party at fault in a road traffic accident	Work with case materials and forensic motor-vehicle examination	from 180,000 ₸
Appeal	Challenging a judgment where the amount awarded by the court is too low	from 70,000 ₸
Enforcement proceedings	Recovery of the amount awarded until the money is received	from 60,000 ₸

Prices are for reference only and do not constitute a public offer. An independent valuation, forensic examination and state duty are paid separately and directly to the provider.

Find out the cost for my case

How the case is handled lawyer for insurance disputes

We read the contract and the rules

The grounds for refusal almost always lie in the insurance rules, not in the law. We start with them.

We check the insurer's calculation

We look at wear and tear, the hourly rate, the list of parts. This is where the underpayment shows up.

Independent assessment

We arrange an inspection and a calculation of the real cost of repairs. This is the key document in the dispute.

We calculate the penalty

A penalty for each day of delay is added to the underpayment. It is often comparable to the additional payment itself.

Claim to the insurer

We send a demand with the calculation. Some companies pay the difference without going to court.

Statement of claim and hearings

We prepare the claim, attend court under a power of attorney, and if necessary — a forensic examination.

Appeal

If the court reduced the amount or disregarded the assessment, we go to appeal.

Enforcement of the money

We support enforcement proceedings until the funds reach your account.

Has the insurer underpaid?

Send us the calculation or the refusal — we will work out how much should have been paid and prepare a claim.

Describe your situation

Team

Team of lawyers in Almaty

We handle a case from start to finish with the same team: you always know who is dealing with your matter and who to contact.

Asel Kurmanova

Lawyer for civil cases

Handles disputes over real estate, inheritance, contracts and transactions. Supports transactions from document review through to registration of title.

14 years of practice
Civil and housing disputes
Kazakh and Russian languages

Dmitry Kim

Lawyer for financial and motor vehicle disputes

Works with banks, insurers and debt collectors, handles recovery and bankruptcy cases, and defends drivers in administrative matters.

11 years of practice
Banks, insurers, motor vehicle disputes
Pre-trial settlement

Gulnara Abisheva

Lawyer for family and social matters

Handles divorces, division of property, alimony and disputes over children, as well as employment, pension and social issues.

9 years of practice
Family and employment disputes
Work with guardianship authorities

Yerlan Sagintayev

Lawyer for corporate law

Supports company transactions, arranges shares and corporate agreements, handles disputes between participants and reorganisation.

13 years of practice
Transactions, shares, corporate disputes
Support for investment rounds

Aigerim Nurlanova

Tax lawyer

Challenges notifications and inspection reports, handles tax disputes in court, supports inspections and recovers overpayments.

10 years of practice
Inspections and tax disputes
Working with the client's accounting records

Viktor Li

Construction and contract lawyer

Reviews contract agreements, estimates and acts, handles disputes over quality and scope of works, supports acceptance of facilities.

12 years of practice
Contracting, shared participation, acceptance
Working with construction expertise

Madina Ospanova

Intellectual property and IT lawyer

Protects copyright and trademarks, drafts contracts for IT teams and handles rights to products and code.

8 years of practice
Copyright, trademarks
Contracts for IT and studios

Sanzhar Ibraev

Bankruptcy and debt recovery lawyer

Handles bankruptcy and rehabilitation procedures, recovers receivables, defends directors against subsidiary liability.

15 years of practice
Bankruptcy, rehabilitation, debt recovery
S

Practice

Recent case stories from our lawyers in Almaty

Details have been changed and anonymised: the content of the case is protected by professional privilege.

Understatement

The payout was halved because hidden damage was not taken into account

Situation: After the road accident the insurer paid 620,000 tenge based on its own calculation. When the car was dismantled at the service centre, damage was found to the side member and mountings that was not in the inspection report: it cannot be seen without removing parts. The real cost of repair came to 1.4 million.
What we did: We arranged an independent assessment right at the service centre, with the car dismantled and every hidden defect photographed. We obtained a work order listing the works and parts. We sent a claim with a calculation of the difference and an explanation of why the initial inspection was incomplete.
Outcome: The insurer paid an additional 610,000 under the claim; the balance and the valuation costs were recovered through court. Total time — four months.

Refusal

The claim was refused, citing a breach of the policy terms

Situation: The insurer refused outright: it claimed the client had breached the contract terms by not notifying it of the incident in time. In fact, notification had been sent, but by phone to the hotline, and the client had no written confirmation left.
What we did: We requested from the insurer a log of calls to the hotline and obtained confirmation of the call on the day of the incident. We showed that the written-notification requirement in the contract was worded ambiguously and is construed in favour of the consumer.
Outcome: The refusal was overturned, and the payment was made in full together with a penalty for the delay. The matter was closed at the pre-trial stage.

Delay

The payment was not made for six months, with new documents requested each time

Situation: The client had assembled a complete package for the insured event, but the payment never came: once a month the insurer requested yet another document, then another, then said the matter was under review. Over six months there was not a single written refusal — and so there was nothing to appeal.
What we did: We sent a written demand with an inventory of all documents submitted and the dates they were handed over, requiring either payment or a reasoned refusal within the established time limit. At the same time, we calculated the penalty for the period of delay.
Outcome: The payment was made within three weeks of receipt of the demand, and the penalty for the delay was paid in part under a settlement agreement.

CASCO

A CASCO claim was refused because of a clause in the rules the client had never seen

Situation: The car was damaged in a car park, and the person at fault was never identified. The insurer refused, citing a clause in the rules: the insurance does not cover cases where the vehicle is left unattended outside a guarded car park. The rules themselves were never given to the client when the contract was concluded — he signed only the policy.
What we did: We requested confirmation that the rules had been handed over and acknowledged: there was neither a signature nor any note in the policy. We showed that a clause limiting the insurer's liability cannot be applied if the policyholder has not been made aware of it. We attached the report on the damage and the valuer's assessment.
Outcome: They paid 2.9 million tenge, equal to the cost of the restorative repair. The valuation and legal representation costs were also reimbursed.

Delay

The claim was under consideration for four months, with ever new documents demanded

Situation: After the incident, the client filed a claim with the insurance company and began receiving requests: first for additional documents, then for a repeat inspection, then for a certificate which the relevant authority does not issue at all. No decision on the claim was ever made, and the money was needed for repairs.
What we did: We organised the correspondence and showed that some of the requests had no basis in the insurance rules, while others concerned documents already submitted. We sent a written demand for a decision within the established time limit, with a calculation of the penalty for the delay, and prepared a complaint to the authorised body.
Outcome: The decision was made within two weeks: 1.7 million tenge of the principal sum and 210,000 in penalty for the delay were paid. The client finished the repairs a month later.

Property insurance

The flat was flooded, and the payment was calculated on the residual value of the finishes

Situation: The flat was insured for 6 million tenge; after the flood, the insurer calculated 380,000, applying depreciation to the finishes and furniture. By the client's calculation, restoration cost three times as much, and the calculation methodology itself was not disclosed in the insurer's response.
What we did: We requested the calculation together with the methodology and found that depreciation had been applied to materials that are replaced in full, while some of the damaged property had not been included in the calculation at all. We commissioned an independent valuation with photographic evidence and sent a claim comparing the two calculations item by item.
Outcome: They paid an additional 890,000 tenge before the pre-trial claim stage. The remaining difference was recovered in court — the final payment amounted to 1.3 million tenge.

Life insurance

The claim was refused on the grounds of an illness the client had not known about

Situation: After an insured event occurred under a life insurance contract, the company refused to pay: it stated that the insured person had concealed a chronic illness when concluding the contract. The refusal did not cite any medical documents confirming that the diagnosis had been established before the contract was concluded.
What we did: We requested the medical records for the entire period: the diagnosis had first been made eight months after the contract was concluded. We showed that at the time of concluding the contract the insured person had no information about the illness, and the questionnaire had been filled in by a company representative from his words and without a medical examination.
Outcome: The refusal was found to be unjustified, and the payment was made in full — 5.4 million tenge. The case took seven months, including the appeal.

Recourse claim

The insurer sought to recover the amount paid from the driver two years later

Situation: The client received a claim from the insurance company: it demanded the return of the compensation paid to the injured party, arguing that he had left the scene of the accident. In fact, he had driven off at an officer's request to clear the roadway and had returned a few minutes later.
What we did: We obtained the materials of the administrative case: they contained both the officer's explanation and a diagram drawn up with the client's participation — meaning he had been present during the processing. We showed that moving the vehicle at the direction of an authorised person does not constitute leaving the scene of the accident.
Outcome: The claim was dismissed in full. Court costs, including the representative's fees, were recovered from the insurance company.

Useful information

Insurance disputes lawyer in Almaty: undervaluation, refusal and recovery

Dmitry Kim Lawyer for motor vehicle disputes

Published: 22 April 2026 Updated: 15 September 2026

Most often the dispute with an insurer is not about whether the event occurred but about the figure: you assess the damage by actual expenses, the insurer by its own methodology, and the difference can be several times over. Then the correspondence begins, in which a person without preparation wastes time and signs what should not have been signed. The mistakes of the first days — agreeing to the amount, the absence of an independent assessment, oral agreements — are expensive to fix later.

Situations vary: a refusal under comprehensive insurance after a road accident, undervaluation under compulsory third-party liability insurance, a dispute over a life and health payment, a flooded flat, or a refusal of social benefits. Each case has its own procedure, its own set of evidence and its own authority to complain to. Below are the practical forks in the road: what to calculate, what to prove it with, in what order to proceed, and when court can no longer be avoided.

Insurance disputes lawyer: when the insurer undervalues or refuses

The payment was undervalued, refused, or the insurer is stalling — that is already a dispute. An insurance disputes lawyer checks whether the rules were applied lawfully and secures a recalculation or payment. Undervaluation is an incorrect assessment of damage, a refusal is a formal ground, a delay is "additional checks".

An insurance claims lawyer works not only with motor vehicles but also with policies for housing, property, life and health. The earlier an insurance lawyer is brought in, the fewer mistakes there are — from carrying out repairs independently to agreeing to a "favourable" top-up. The dispute is then resolved depending on the type of policy:

Compulsory third-party liability insurance — liability to third parties, the payment depends on the assessment of damage
Comprehensive insurance — damage to or theft of your own vehicle under the terms of the contract
Property — a flat, house, commercial premises, finishes and appliances
Life and health — injury, disability, an event occurring under the policy

What happened and why it is a dispute
The situation as presented by the insurer	What it looks like in practice	What is disputed
Understated payment	Damage assessed incompletely	Calculation, wear and tear, scope of work
Refusal	Reference to a formal ground	Grounds for refusal, whether the event occurred
Delay	Checks with no result	Right to payment and interest
Top-up "on the spot"	Condition — sign the consent	Terms of the settlement agreement

Each situation is a reason to check the documents and the calculation before signing any consents.

How the work of a lawyer differs for compulsory third-party liability insurance and for CASCO

Compulsory civil liability insurance of vehicle owners and voluntary CASCO operate under different rules, and a dispute with the company is built differently in each case. In the first, the payment goes to the injured party for the harm caused by the driver, while in the second it goes to the owner for damage to their own car, so neither the parties involved, nor the list of grounds for refusal, nor the way the amount of damage is calculated are the same.

To understand which type your situation falls under, look at the policy and at who received the payment. This is where the difference in tactics shows: an insurance law lawyer identifies a separate set of documents, a separate line of objections and a separate appeals procedure for each type of dispute. A mistake at the outset — for example, assessing damage using the methodology for a different policy — usually leads to a refusal that is then hard to overturn. An insurance lawyer in Almaty starts precisely with checking the policy and the insurance rules for your type.

Compulsory third-party liability insurance: the injured party receives payment for harm caused by another driver
CASCO: the owner receives payment for damage to their own car
Each type has its own rules for assessing damage and its own grounds for refusal
Different appeals procedure and a different set of documents for the dispute

Insurance disputes lawyer on the amount: how to challenge an understated payment

An understated payment is almost always based on the insurance company's internal assessment. Its calculation may rely on an incomplete inspection, outdated parts price guides or an understated wear-and-tear percentage. Until there is an alternative calculation, the dispute is about one side's figures, and the court or the ombudsman simply has nothing to compare the positions against. That is precisely why an independent assessment of damage becomes the main argument in a dispute over the amount.

Such an assessment must be carried out by a qualified assessor who is a member of the chamber of assessors and has confirmed qualifications. The report calculating the market value of restorative repair or the value of lost property must be attached to the claim before filing a complaint or a lawsuit. If the insurer refuses to accept the report, this is recorded in writing and subsequently strengthens the position of the insured. A lawyer practising insurance law works precisely on the basis of such evidence, and an insurance lawyer in Almaty checks whether the report meets the requirements set by the insurer and the court.

Inspection report from the insurer — with a list of damage
Independent assessor's report on the cost of repair
Payment documents for repair, towing, storage
Correspondence with the insurer: application, claim, replies

Insurance disputes lawyer on refusal: what to write in the claim

The insurance company is obliged to issue a refusal in writing and stating the grounds. It is this document that opens the dispute: until there is a written refusal, there is nothing to discuss. If the insurer refers to an 'incomplete package' or a 'non-insured event', these wordings become the starting point for the claim.

A claim is built not on emotions but on an analysis of the grounds for refusal. The task is to show that each argument of the insurer does not correspond to the terms of the contract, the insurance rules or the circumstances of the case. An insurance company lawyer in such disputes usually relies on interpreting the rules in their own favour, so the claim must close off these arguments one by one: confirm the event, the status of the insured, the amount of damage and the absence of lawful grounds for refusal. A lawyer in an insurance company sees the weak points of their position in advance, and a well-drafted claim often forces a reconsideration of the decision before trial.

Write which specific fact the insurer considers non-insured and why.
Attach documents that refute each ground for refusal.
Cite the terms of the contract and the insurance rules verbatim.
State the demand clearly: payment, recalculation or reconsideration.

Where to complain about an insurer: ombudsman, regulator, court

A dispute with an insurer begins not with court but with a written claim to the company itself: without it, the ombudsman and the court will not take up the matter. After that, the route depends on the substance of the dispute. If the amount is contested — an underpayment under CASCO, compulsory third-party liability or a life payout — the path lies through the insurance ombudsman or the court. If the refusal itself is contested, especially on a clearly contrived ground, the court usually seeks not a recalculation but a declaration that the refusal is unlawful and an order to pay.

A separate track is a complaint to the regulator of the insurance market: it does not award payment, but it records the violation and influences the company. This is where legal assistance with insurance companies is needed: lawyers for insurance cases and insurance lawyers prepare the claim, the complaint and the lawsuit so that the arguments do not fall apart on formalities.

A claim to the insurer — a mandatory first step with confirmation of receipt
Insurance ombudsman — for disputes about the amount, without going to court
Court — for refusal, significant underpayment and disputes about the cause of the event
Complaint to the regulator of the insurance market — a separate supervisory track, does not affect payment

Lawyer for insurance disputes on life and health payouts

Personal insurance — life, health, accident — is structured differently from motor or property insurance. The insurer does not argue about the market price of repair: it checks whether the event was insured and whether the information was fully disclosed when the contract was concluded. Most often the refusal is justified by the client not having reported illnesses, sports, bad habits or past visits to a doctor. This is where an insurance lawyer is needed, to build the defence around medical documents rather than general words.

The key is to prove a causal link between the event and the consequence: diagnosis, hospitalisation, expert examination, discharge summaries, results of examinations. If the insurer refers to incomplete disclosure, it is important to show that it itself did not ask questions or received truthful answers. A practising lawyer for insurance disputes checks whether the grounds for refusal correspond to the contract and the insurance rules, and prepares a claim or a lawsuit based on the collected medical evidence.

Discharge summaries, diagnoses, results of examinations and doctors' conclusions
Insurance contract, questionnaire and rules — what exactly you declared
Correspondence with the insurer: refusal, requests, replies
Documents about the event: certificates, protocols, witness statements

Benefits and social payments: how a benefits lawyer helps

An insurance payout and a state benefit are different things, and they must not be confused. Insurance money is paid by a private company under a contract: compulsory third-party liability insurance, CASCO, life insurance, property insurance. Benefits, on the other hand, are awarded by the state on social grounds — for loss of a breadwinner, disability, or caring for a child.

And a dispute over a benefit is built on different documents: income statements, certificates of family composition, medical reports, the decision of the authorised body refusing or understating the payment. But the logic of support is similar: a benefits lawyer gathers evidence, prepares an application to a higher body, challenges the refusal in court and secures a recalculation. The mistakes are usually the same: the appeal deadline has been missed, there is no written refusal, the calculation was made on incorrect income data.

which body to apply to for the award or recalculation
which certificates and statements will confirm the right to the payment
how to challenge a refusal: a complaint to a higher body or court
how to secure a recalculation for the past period

What to recover from the insurer and what from the person at fault: comparing claims

When an insurer pays compensation, it is important to understand the limits of its liability: part of the damage can only be claimed from the person who caused it. In practice, insurance lawyers split claims between two targets, because this determines to whom the claim is made and in what amount.

Under compulsory third-party liability insurance, the insurer is liable within the established compensation, and anything not covered by the payout remains the debt of the person at fault. The difference between the payout and the actual damage can be recovered from the person at fault if there are supporting documents.

damaged property and repair costs
loss of marketable appearance or value
towing and storage costs
other documented losses

Insurer and person at fault: who pays what
Claim	From the insurer	From the person at fault	Basis
Insurance compensation	Within the limit	No	Compulsory third-party liability insurance or CASCO
Excess over the actual damage	No	Yes	Discrepancy in documents
Valuation costs	Depends on the type	Yes, if not covered	Confirmation of expenses
Moral damage in property matters	No	Limited	Tort claim

A lawyer handling an insurance dispute takes into account the type of contract and the actual documents: under CASCO, claims against the person who caused the harm have their own specifics.

Lawyer for insurance disputes over flats and property

Disputes over home and property insurance most often concern the assessment of damage, the causes of the event and the interpretation of exclusions in the contract. The insurer may insist that the reported event does not fall under the policy terms, or may factor in wear and tear when calculating the payout. If the flat is insured and the compensation does not cover the actual repairs or the value of the lost property, it is worth showing the documents to a lawyer specialising in insurance law.

Mistakes in such cases are costly: the owner agrees to the first valuation offered, fails to record the damage before repairs, or misses the deadlines for appeal. A lawyer specialising in insurance law helps gather evidence, challenge an undervaluation and prepare a claim or a statement of claim. What is checked first:

whether the reported event matches the terms of the contract
the correctness of the damage calculation and the application of wear and tear
the existence and validity of exclusions from cover
the completeness of the damage record and an independent valuation

Complaint to the regulator: a lawyer for insurance disputes and the supervisory route

A complaint to the Agency for Regulation and Development of the Financial Market works as leverage when the insurer delays payment, stays silent in response to a claim or replies with a formal brush-off. The regulator does not award money and does not replace the court, but its enquiry changes the company's behaviour: an inspection, a request for documents and a demand to explain its position often speed up a resolution faster than correspondence with a branch. A lawyer for insurance disputes files such an application not instead of a claim, but alongside it, so that the party has both a supervisory and a judicial line of pressure.

It is important to understand the limits: the regulator examines breaches of rules and licensing requirements, not the amount of damage itself. If the dispute is about the sum, the supervisory route alone will not return the money, but it can expose a systemic practice of undervaluation. For the client this is an additional argument in negotiations and in court, and sometimes a reason for the company to reconsider its position before the hearing. What is worth bearing in mind before filing a complaint:

The application is filed on the official website or in writing, with copies of the claim and the insurer's replies.

Record the dates: when you submitted the documents, when you received a refusal or silence.

Attach the valuer's report if you are challenging the sum — without it the regulator will see only the correspondence.

State that you have already sent a claim and are awaiting a response; a complaint without the pre-trial step is weaker.

In parallel, prepare the statement of claim: deadlines in a dispute do not wait, and the supervisory track moves at its own pace.

Documents for a lawyer in insurance disputes: what to collect before the consultation

If the insurer underpaid, refused or is dragging out the decision, bring a full set of papers to the consultation with a lawyer in insurance disputes. The fewer the documents, the more cautiously the claims are formulated: with only a calculation, the dispute is about the additional payment; with the correspondence with the insurer, it is about delay and penalty. Without the insurance rules it is impossible to understand what exactly the company breached and what you are entitled to claim.

A lawyer in insurance cases also looks at the correspondence: letters, responses to the claim, notices of extension of deadlines. A missed letter often decides whether there was a delay. Bring the insurer's assessment report together with the independent valuer's report as well.

Collect:

the policy and the insurance rules under which the contract was concluded;
the claim for payment with the date of submission and the incoming stamp;
the written refusal or the insurer's calculation indicating the amounts withheld;
the insurer's assessment report and the independent valuer's report;
all correspondence: letters, notices, responses to claims.

Deadlines and the court enforcement officer in an insurance dispute

The deadlines in an insurance dispute depend on the type of claim and the moment when you learned of the breach. For property disputes the deadlines are general, for payments connected with life and health they are extended, and for social benefits the deadlines are special. That is precisely why in Almaty an insurance lawyer first determines the date from which the deadline started to run, and only then builds the position. If the deadline is missed, it can be restored only for valid reasons, otherwise the court will return the claim and the road to court will be closed.

The enforcement of the court decision is ensured by the court enforcement officer: under a contract with the claimant — a private one, for certain categories and for claims against state bodies — a state one. After the decision enters into force, the lawyer or advocate in insurance disputes needs to obtain the writ of execution and hand it to the court enforcement officer together with an application. The enforcement officer then searches for accounts and property and withholds the amounts, while you monitor how the proceedings are progressing. Mistakes at these two stages cost the most: a missed deadline or an incorrect enforcement document.

What matters in practice:

The deadline is counted from the date when you learned of the underpayment or refusal.
A written refusal and a claim help to fix that date.
A writ of execution is needed even if the insurer promised to pay.
If the enforcement officer is inactive, the proceedings can be transferred to another one.

The main mistake is to agree with the amount or the refusal without obtaining the insurer's written reasoning and without recording the damage independently: it is precisely these two documents that decide the dispute in court.

Reviews

Reviews of work on insurance disputes

4.9

Google

4.9 · 128

Yandex

4.8 · 94

2GIS

4.9 · 156

Zoon

4.7 · 41

Ruslan A. 19 June 2026

The insurer paid 310 thousand, the valuation showed 890. We sent a pre-action claim, and they paid the shortfall without court in three weeks.