What are the powers of the Insurance Disputes Committee?

What are the powers of the Insurance Disputes Committee?

Disputes may arise between insured persons and insurance companies related to insurance compensation, interpretation of insurance policies, or implementation of contractual obligations, which requires the presence of a competent authority to resolve these disputes in accordance with regulatory procedures. 

The Insurance Disputes Committee is one of the authorities competent to consider and resolve a number of insurance cases in a way that achieves justice and preserves rights.

Disclaimer: This is a legal article that provides information that does not replace consulting a competent lawyer to help you and for more accurate information.

What are insurance claims?

It is the official procedure carried out by the insured or a third party by applying to the insurance company to obtain financial compensation in the event of an accident or loss covered by insurance coverage.

Examples include traffic accidents, fires in company warehouses, etc.

However, if the insurance company refuses compensation for damages, the injured party has the right to file a lawsuit against the company before the Insurance Disputes Committee.

What is the Insurance Disputes Committee?

It is the authority responsible for resolving insurance disputes and violations and consists of:

• First Instance Committees: The body that initially considers insurance dispute lawsuits. The committee decides on the lawsuit submitted to it within 90 days from the date of filing the lawsuit.
• Appeals Committees: They are the body competent to consider objections to the decisions of the primary committees. The committee decides on the appeal applications submitted to it within 60 days from the date following the date of submission of the appeal application.

What are the powers of the Insurance Disputes Committee?

• Resolving all disputes arising from insurance contracts, including those between:
  •  Insurance companies, their customers, and beneficiaries of insurance coverage.
  • Insurance companies and others if they replace the insured.
  • Disputes arising between insurance support services providers.
• Resolving all disputes that occur between insurance companies, reinsurance companies, and insurance support service providers.
• Considering the grievances of the concerned parties regarding the penalties and procedures issued by the Insurance Authority.
• Considering decisions to cancel licenses issued by the Insurance Authority.

Insurance disputes may require a thorough understanding of the relevant systems and procedures to ensure that rights are protected and receivables are systematically claimed.

When do the decisions of the Insurance Dispute Resolution Committee become final and enforceable?

When do the decisions of the Insurance Dispute Resolution Committee become final and enforceable?

The decisions of the Insurance Dispute Resolution Committee acquire final enforceability in the following cases:

• Termination of the case through reconciliation and the committee’s ratification of this reconciliation.
• The deadline for appealing the decision of the First Instance Committee has expired without submitting an appeal.
• Issuance of a final decision by the Appeals Committee.

After one of the previous cases has been verified and the decision has become final, the convict’s copy of the decision shall be stamped with the execution stamp.

How can I file a lawsuit in insurance committees?

The lawsuit can be submitted electronically through the website of the General Secretariat of Insurance Dispute Resolution and Violations Committees by following the following steps:

• From electronic services, choose “submit a new case”
• Log in via the national unified access.
• Fill in the lawsuit details.
• Attach the required documents and papers.
• Submit the application.

What data is required in the lawsuit before the Insurance Disputes Committee for a complaint?

Article 5 of the new Insurance Dispute Resolution and Violations Committees’ Rules and Procedures stipulates the requirements for filing a lawsuit, which are:

• The plaintiff’s full name, place of residence, and ID number if he is a natural person. 

If he is a person with a legal status, number his commercial register or the number unified in his commercial register, and the address of his main headquarters or branch if the lawsuit is related to this branch.

• The full name of the agent or regular representative, his place of residence, identification number, and regular representation data.
• Specify the plaintiff’s means of communication or means of communication, including the mobile phone number.
• The defendant’s full name, place of residence, ID number – if any – and means of contacting him if he is a natural person.

If he is a person with a legal status, number his commercial register or the number unified in his commercial register, and the address of his headquarters or branch if the lawsuit is related to that branch, if any.

• Date of submission of the lawsuit.
• The subject of the lawsuit, specifying the requests and evidence, including the value of the insurance claim, if any.
• The plaintiff must attach proof that the licensed person rejected the plaintiff’s insurance claim or proof that the period prescribed for settling the claim has passed.

What is the number of the Insurance Disputes Committee?

What is the number of the Insurance Disputes Committee?

Beneficiaries can contact the Insurance Disputes Committee through the number 8001240042 during the official working hours specified on the committee’s website.

Hiring a specialized lawyer from the office of Lawyer Abdul Majeed Al Rashid

The skilled attorney from the office of Attorney Abdul Majeed Al Rashid helps you understand your legal rights and obligations in insurance cases, review insurance policies, evaluate insurance claims, and answer inquiries related to disputes and available procedures. 

It also contributes to clarifying the appropriate legal options according to the circumstances of each case.