Insurance law

Insurance law – experience and assertiveness at your side

In an insurance claim, two unequal parties often face each other: on the one hand, the insurance company with its trained claims adjusters and numerous experts, and on the other hand, you as the policyholder. Insured parties rightly expect a quick and straightforward settlement in the event of a claim. However, it is not uncommon for it to become apparent only after the claim has been filed that the insurer intends to refuse to pay out the contractually agreed benefits, either in whole or in part.

Insurance companies operate economically and with a profit motive. In the event of a claim, this often leads to claims being critically reviewed, reduced, or rejected outright. However, the insurer's objections or rejections are not always justified. Often, it is precisely the "fine print"—that is, the general terms and conditions of insurance—as well as the complex regulations arising from the insurance contract, legislation, and case law that determine the success or failure of a claim.

It is therefore all the more important to seek legal assistance early – ideally immediately after the occurrence of an insured event. Attorney Starke provides comprehensive advice and representation in all matters of insurance law. His work focuses on reviewing, calculating, and consistently enforcing your claims against the insurer.

The review focuses particularly on whether the insurance company is justified in refusing benefits, for example, by citing an alleged breach of duty. It also assesses whether errors occurred during the application process, claim notification, or settlement that could lead to benefit reductions or the loss of insurance coverage. Even seemingly insignificant details or wording can have considerable consequences.

Should it turn out that the insurer's denial of benefits is legally justified, a claim against the insurance broker or advisor may also be considered, for example, due to faulty advice given during the contract negotiation. In these cases as well, you will need an experienced and knowledgeable contact person at your side.

We advise and represent you out of court as well as in court and consistently enforce your interests.