When the insurance company refuses to pay, it's a shock for many policyholders. After all, you've paid premiums for years – and now your claim is being denied? The good news is that in many cases, a rejection isn't the final word. Here you'll find step-by-step instructions on how to proceed – and how our Risk-BOT claims service can support you.

1. Carefully examine the rejection letter

Insurance companies must explain why they are refusing to pay. Often, the reasons are formal, such as allegedly missing documents, missed deadlines, or exclusions in the policy terms. Tip: Read the letter carefully and compare it with your policy terms.

2. Meet deadlines

For objections or supplementary documents, there is often a strict deadline. Those who wait too long risk losing important rights. Therefore: React immediately.

3. Secure evidence

Photos, invoices, expert opinions – the better your evidence, the harder it is for the insurance company to reject your claim. Witnesses can also be important.

4. Seek professional support

Experience shows that working with experts significantly increases your chances of success. Our Risk-BOT claims service handles communication with the insurance company for members, investigates reasons for rejection, and enforces legitimate claims. We know the typical tactics – and how to counter them.

5. Member benefit: More service, less stress

As a member you benefit from:

• Priority processing of your case

• Direct expert hotline

• Free contract and claims check

• Support until final regulation

6. If all else fails – legal action

If the insurance company continues to refuse, a specialized lawyer may be the next step. Here too, we can help with a vetted network of partners – and you won't be left with the costs if you have legal expenses insurance.

Conclusion

A rejection doesn't have to be the end. With a clear strategy, evidence, and experts on your side, you significantly increase your chances of success.
💡 Act now : Have your case reviewed free of charge by our claims service – especially as a member, you benefit from exclusive advantages.