LexiLetter

Object to Insurance — challenge a claim denial

Create your objection to an insurance claim denial in seconds. The AI drafts a well-founded letter with the relevant legal basis under VVG.

Create objection

Important Tips

  • Review the denial letter carefully: What exclusion ground is cited?
  • Statute of limitations for insurance claims: 3 years (Section 195 BGB)
  • Contact the insurance ombudsman as a free mediation service
  • Secure your own documentation (photos, expert reports, witnesses) as counter-evidence

Notice Period

There is no fixed objection deadline for an insurance claim denial. However, claims under the insurance contract expire after 3 years from knowledge of the claim (Sections 195, 199 BGB). Act promptly to preserve evidence and protect your rights.

How It Works

1

Describe

Describe in plain language what you want to write.

2

AI Creates Your Letter

Our AI generates a professional letter in DIN 5008 format.

3

Sign & Receive

Sign digitally and receive the finished PDF by email.

Frequently Asked Questions

Is there a deadline for objecting to the insurance company?

There is no fixed objection deadline, but claims under the insurance contract expire after 3 years from knowledge of the insured event (Sections 195, 199 BGB). For life insurance, longer periods may apply. Act promptly to avoid jeopardizing your claims.

What can I do if the insurance company rejects my objection?

You can contact the insurance ombudsman — a free mediation procedure for disputes up to 100,000 euros. Alternatively, you can file a lawsuit at the competent civil court. For amounts up to 5,000 euros, the local court has jurisdiction (Section 23 GVG).

Does the insurance company have to justify its denial?

Yes, the insurer must clearly explain the reasons for the denial. Check whether the cited exclusion ground actually applies to your case and whether the general insurance conditions (AVB) were effectively incorporated into the contract (Sections 305 ff. BGB).

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Create objection

Create your objection to an insurance claim denial in seconds. The AI drafts a well-founded letter with the relevant legal basis under VVG.

Create objection