Expertise
Representation in insurance disputes: Casco claim denials, ASF complaints, corporate insurance and professional liability
Last updated: May 2026
We represent policyholders in disputes with insurance companies: unjustified payment refusals, undervalued offers, ASF complaints, clause interpretation and enforcement of policies. We work with Casco, life, health, travel, property and professional liability insurance.
For road accident and bodily injury cases, see our dedicated road accidents and compensation page.
Disputes with insurers, across all insurance products
Challenging denial decisions and compelling the insurer to pay through court action.
Recalculation through independent expertise and actions for the difference between the offer and the real damage value.
Filing with the Romanian Financial Supervisory Authority for unfair practices and breaches of Law 132/2017.
Disputes over exclusions, waiting periods, contract termination or franchise application.
Complete representation in car accident cases, workplace injuries and other insured events.
Actions for recovery of amounts owed by insurers or for compelling payment of compensation.
Mediation of conflicts and obtaining fair agreements without going through judicial proceedings.
Specialized assistance for all types of insurance policies and contractual clauses.
Road accidents, personal injuries, material damages
Payments in case of death, disability, serious illnesses
Medical reimbursements, specialized treatments
Homes, vehicles, movable property
Professional, general, product liability
Business interruption, cargo, technology
Further reading
Related areas
Compensation recovery for road traffic accidents, medical incidents and bodily injuries in Romania
Rigorous management of all litigation stages, from pre-litigation phase to enforcement
Challenging contravention reports and defense before authorities
Frequently asked questions
Denial based on exclusion clauses must be analyzed against the specific policy wording and the evidence on file. In practice, many invoked exclusions are open to interpretation (road conditions, weather, driver qualification). Standard steps: written request for detailed reasoning, independent technical expertise, administrative appeal to the insurer, ASF complaint for unfair practices and, if necessary, court action to compel payment.
A complaint to ASF (Romanian Financial Supervisory Authority) is free and can be filed online or on paper. ASF can sanction the insurer for breaches of Law 132/2017, Law 237/2015 or sector-specific regulations. ASF cannot order the insurer to pay compensation in an individual case. Recovering the money requires court action. However, an ASF complaint is useful evidence of repeated abusive behavior in subsequent litigation.
The general term is 2 years from the occurrence of the insured event, under the Civil Code for actions derived from the insurance contract (Art. 2519). For tort liability actions, the term is 3 years. Special terms apply for life and transport insurance. Interrupting prescription through written notice to the insurer or through court action is essential to preserve the right.
Directors & Officers insurance covers personal liability of board members and senior management for decisions taken in office: patrimonial liability claims, administrative sanctions or shareholder disputes. We recommend D&O coverage for: companies with external shareholders or foreign investors, listed companies or those preparing for listing, groups undergoing restructuring, and directors taking mandates with significant exposure. Careful review of exclusions (fraud carve-out, insolvency exclusion) is critical.
Last updated: May 2026