An inadequate offer
You want to check the items and amount included in the insurer’s offer.
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Accident and insurance claims
Understand the compensation before accepting it.
If an insurer refuses payment, delays its reply or makes an offer you do not understand after an accident, we review the policy, documents and losses before you decide.
CONCORDIA LEGALWhen we can help
Denied coverage
You need the reason for refusal and policy conditions reviewed.
Injuries or property damage
Expenses, lasting effects or damage need documented assessment.
CONCORDIA LEGAL
We prepare your claim.
Review coverage
We analyse the policy, communications and accident.
Document your losses
We organise reports and expenses and consider whether an expert is needed.
Pursue the claim
We present the documents and arguments, then assess further routes if no agreement is reached.
Documents to get started
Prepare the essential documents.
You do not need every document before contacting us. The lawyer will explain what is missing.
- 01Accident report, police report or reference to request it.
- 02Photographs and details of witnesses and people involved.
- 03Insurer identification and claim number.
- 04Policy and terms where the cover is relevant.
- 05Initial and follow-up medical reports, rehabilitation, sick leave and lasting effects.
- 06Invoices, repairs and evidence of loss of income.
- 07Claims, proof of receipt and offers or replies from the insurer.
- 08Documents recording agreements, payments or signed waivers.
- 09Expert reports, if available.
How the procedure works
How the procedure works
Claim against the insurer
Submitting the claim to the insurer.
Receiving and assessing its offer or reply.
Negotiation and applicable prior steps.
Filing a court claim if there is no suitable resolution.
Admission, service and defence.
Pre-trial hearing and trial, or a hearing, as applicable.
Judgment and enforcement where necessary.
These are the general stages. The steps are tailored to your case.
FEES AND NEXT STEPS
Start with a pre-action claim.
Drafting and sending the initial demand
We draft and send a demand tailored to your case, by burofax or another appropriate method.
300 €+ VAT
If you then engage court proceedings for the same matter, these fees are deducted from the court quotation.
What the quotation includes
The agreed work
Includes reviewing the documents needed for one initial communication. Further negotiation and litigation are quoted separately.
If court proceedings are needed
The quotation identifies the claim and first-instance defence. Enforcement and appeals require an additional engagement.
External expenses
Court representatives, experts and other expenses are identified separately before being incurred. Any burofax delivery charge is specified before engagement.
Submitting your enquiry is free. You receive a quotation before deciding.
Guides to prepare your enquiry
Frequently asked questions
You may request a review before deciding. We check the losses covered and any waiver of further claims.
We review legal expenses cover, independent lawyer choice and the policy limits.
Keep the document and seek a review before signing. It may affect later claims.
Each item must be documented separately, with an assessment of the appropriate parties to claim against.
Keep the claim, dates and sending receipt. We review the steps taken and applicable deadlines.
Request a case review
Visits by appointment
We will reply by the next day at the latest.
We arrange your visit or video call when replying to your enquiry.