Understanding Insurance Disputes
In today’s world, insurance is a part of everyday life—whether through health insurance, motor insurance, professional liability coverage, or property insurance. While these policies are intended to offer financial protection in times of loss, disputes often arise when insurers reject or delay claims, question the scope of coverage, or shift liability unfairly.
Whether it’s an injury from a car accident, damages from a contractor’s negligence, or complications from a medical procedure—these incidents often lead to conflicts between the injured party and the insurer, particularly regarding who is liable and what coverage applies.
At FAKHER & CO, we have an experienced litigation team that focuses on resolving insurance disputes effectively—either through alternative dispute resolution or direct litigation, depending on the complexity and nature of your case.
Common Causes of Insurance Disputes
Insurance companies are typically the first line of financial responsibility in claims, but often, they seek to:
Avoid liability by citing policy exclusions
Minimize the insured party’s role in the damage
Delay claim processing without valid reasons
Deny legitimate claims due to lack of documentation or unclear liability
Deflect responsibility back to the insured, especially in third-party claims
Why Insurance Companies Contest Claims
Insurance providers often represent the insured party in court—even when the insured does not attend proceedings—because minimizing or negating the insured party’s fault reduces the insurer’s financial exposure. This strategic defense can leave claimants at a disadvantage unless they are legally represented by professionals who understand insurance litigation inside out.
Our Legal Services in Insurance Disputes
FAKHER & CO provides tailored legal support in insurance-related cases, including:
Health and life insurance claims
Motor accident and vehicle insurance claims
Professional liability coverage disputes
Construction and contractor insurance conflicts
Property and fire insurance denials
Medical and clinical negligence-related insurance coverage
We assist both individuals and businesses who face unjust claim rejections or excessive delays from insurers, and we provide strategic advice on how to respond to disputed payouts.
Alternative Dispute Resolution (ADR) Options
Litigation isn’t always the only—or the best—solution.
We prioritize cost-effective and amicable resolution methods. Before resorting to the courts, our lawyers first guide clients to file complaints with the Federal Insurance Authority (FIA). The FIA can issue enforceable decisions and impose penalties on insurers that delay or refuse rightful payouts.
In many cases, just the threat of fines from the FIA is sufficient to bring the insurer to the negotiating table.
When Litigation Is Necessary?
If an insurer refuses to comply with the decision of the Federal Insurance Authority or acts in persistent bad faith, our litigation team is fully prepared to act. We use our:
In-depth knowledge of UAE insurance law
Thorough preparation of evidence and expert reports
Robust court strategies to defend or claim rightful insurance compensation
Our goal is simple: to help you recover what you’re entitled to without unnecessary financial or emotional burdens.
Let Us Advocate for You
Insurance should be your safety net—not another hurdle. Whether you’re being denied a valid claim or facing an insurer’s legal maneuvering, FAKHER & CO is ready to step in.