Insurance Law Attorney in Belgium

Insurance companies employ armies of lawyers and experts whose job is to minimise payouts. Facing this machine, individuals or small businesses cut a poor figure.

The insurance law lawyer knows the standard contracts, the recurring clauses, the often abusive exclusions. They can read between the lines of general conditions and identify legal arguments to challenge a coverage refusal.

They also master amicable and judicial expert assessments. When the insurer's expert undervalues your damages, the lawyer can demand a counter-assessment, request appointment of a court expert, or assert a contradictory assessment. The sums at stake can be considerable.

Finally, the specialised lawyer knows recent case law. Insurance law evolves through Court of Cassation and court of appeal decisions. Recent rulings may invalidate clauses the insurer thought they could invoke against you.

Road accident compensation is major litigation. When liability is disputed or shared, when personal injuries are significant, negotiations with the insurer can last years. Damage assessment (medical expenses, lost income, moral damages, third-party assistance) is often underestimated by the insurer.

Property claims (fire, water damage, storm) give rise to disputes over the origin of the loss, the extent of damage, and coverage exclusions. The insurer's expert and the policyholder's expert rarely share the same view of necessary repairs.

Disability and incapacity insurance is a frequent source of conflict. The insurer disputes the degree of incapacity, reclassifies the condition, or prematurely terminates benefits. The financial consequences for the policyholder can be dramatic.

Finally, coverage refusal for inaccurate or late risk declaration is regularly contested. The law imposes strict conditions for the insurer to invoke these grounds. A lawyer can verify whether these conditions are met.