Znaczenie postępowania likwidacyjnego, reklamacyjnego oraz sądowego w procesie dochodzenia roszczeń odszkodowawczych w związku z powstałą szkodą komunikacyjną

Abstract

The subjects of this study is to show aspects of claiming compensation under motor insurance claims during the claims settlement, complaint proceedings and litigation in the context of insurance law and judicial decisions. Therefore, the first part of this study describes issue of claims settlement which is de facto the first and the most important part of claiming compensation. At this stage, the insurer takes over liability to the extent appropriate and indicates the limits of his liability for damage in a traffic incident. Then, the complaints procedure is presented pursuant to the Act of 5 August 2015 on Complaints Handling by Financial Market Entities and on the Financial Ombudsman, in relation to the form of reporting damage and generally available proceedings of claims settlement. Subsequently, the study presents selected aspects of the possibility of pursuing claims in court. Here, in particular, reference is made to the basic principles of civil law in relation to the “normal extent of the damage” clause as a conclusion on the current position of the Supreme Court. The main purpose of the study is to demonstrate the possibilities available to the injured party of a traffic incident – claims settlement, complaint and litigation. As a result of the research, this study presents the impact of claims settlement and complaint procedures on court proceedings in the scope of pursuing claims for damages.

Keywords

• claims settlement complaint
• pursuing compensation at the stage of court proceedings
• liability for damages