{"id":4235,"date":"2026-10-06T10:07:06","date_gmt":"2026-10-06T10:07:06","guid":{"rendered":"https:\/\/rprmadvogados.com\/?page_id=4235"},"modified":"2026-10-29T15:26:43","modified_gmt":"2026-10-29T15:26:43","slug":"insurance-lawyer-portugal","status":"publish","type":"page","link":"https:\/\/rprmadvogados.com\/en\/insurance-lawyer-portugal\/","title":{"rendered":"Insurance Lawyer"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4235\" class=\"elementor elementor-4235 elementor-2863\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2a37a5 e-flex e-con-boxed e-con e-parent\" data-id=\"f2a37a5\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8b3b0b2 e-flex e-con-full e-con e-child\" data-id=\"8b3b0b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80bf16f elementor-widget elementor-widget-heading\" data-id=\"80bf16f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Insurance Lawyer in Portugal, Porto<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6ca0e4 elementor-widget elementor-widget-heading\" data-id=\"f6ca0e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Legal support for policyholders in claims and disputes with insurers<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac2eab1 elementor-widget elementor-widget-heading\" data-id=\"ac2eab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">In Insurance Law, the firm always acts for the policyholder: in denied claims, road accident claims and disputes over life and disability insurance.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7262d08 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"7262d08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/rprmadvogados.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk about the insurer's refusal<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53d8e78 e-flex e-con-full e-con e-child\" data-id=\"53d8e78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5afe6 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7b5afe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#recusa\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Denied Claim<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#sinistro\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Car Accident<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#vida\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Life Insurance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#apolice\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Policy<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#via-negocial\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Out-of-Court<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#via-judicial\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Court<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-864d8fc e-flex e-con-boxed e-con e-parent\" data-id=\"864d8fc\" data-element_type=\"container\" data-e-type=\"container\" id=\"recusa\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8e8edc elementor-widget elementor-widget-heading\" data-id=\"d8e8edc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Denied Claim<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea3548 elementor-widget elementor-widget-heading\" data-id=\"5ea3548\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Denial or undervaluation of a claim by the insurer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3735c5 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d3735c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">An insurer <strong>may only deny or reduce a claim on concrete grounds<\/strong>, whether an <strong>exclusion in the policy<\/strong>, an <strong>omission in the initial risk declaration<\/strong> or <strong>failure to report the claim on time<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73c2724 e-flex e-con-boxed e-con e-parent\" data-id=\"73c2724\" data-element_type=\"container\" data-e-type=\"container\" id=\"sinistro\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8314df3 elementor-widget elementor-widget-heading\" data-id=\"8314df3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Car Accident<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a42d220 elementor-widget elementor-widget-heading\" data-id=\"a42d220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Car accident lawyer: road accidents and the deadline to claim compensation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-995a86a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"995a86a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">After a car accident or other road accident, <strong>the right to compensation arises from civil liability, not from the insurance contract<\/strong>, and <strong>the deadlines are not the same<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b154083 e-flex e-con-full e-con e-child\" data-id=\"b154083\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dab2b7e elementor-widget elementor-widget-heading\" data-id=\"dab2b7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><strong>Confusing the two deadlines is a common mistake, and it can cost the right to compensation.<\/strong><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc904dd elementor-widget elementor-widget-heading\" data-id=\"bc904dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The deadline to report the claim to the insurer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6c98b elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"5f6c98b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Before any discussion about the amount, there is a <strong>short deadline to report the claim to the insurer<\/strong>, set by the insurance contract law and, as a rule, repeated in the policy.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b3da4c elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3b3da4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><strong>Reporting late does not necessarily extinguish the right<\/strong>, but it gives the insurer grounds to <strong>reduce the payment to the extent of the harm the delay caused it<\/strong>. It is one of the most invoked grounds for denial, and <strong>the dispute is about what the delay prevented it from establishing<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fba40b4 e-flex e-con-boxed e-con e-parent\" data-id=\"fba40b4\" data-element_type=\"container\" data-e-type=\"container\" id=\"vida\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc6ffb elementor-widget elementor-widget-heading\" data-id=\"0fc6ffb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Life Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8702862 elementor-widget elementor-widget-heading\" data-id=\"8702862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life and disability insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a25f52 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9a25f52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">In life and disability insurance, the most common disputes arise from:<\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6281b13 e-flex e-con-full e-con e-child\" data-id=\"6281b13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-73cbb0f e-flex e-con-full e-con e-child\" data-id=\"73cbb0f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27c939e elementor-widget elementor-widget-heading\" data-id=\"27c939e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pre-existing condition<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff56d4d elementor-widget elementor-widget-heading\" data-id=\"ff56d4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Exclusions for conditions that pre-date the contract.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85b7ac7 e-flex e-con-full e-con e-child\" data-id=\"85b7ac7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-351809b elementor-widget elementor-widget-heading\" data-id=\"351809b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Questionnaire answers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3624291 elementor-widget elementor-widget-heading\" data-id=\"3624291\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Health questionnaire answers that the insurer considers incomplete.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f2af3b e-flex e-con-full e-con e-child\" data-id=\"4f2af3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82f1253 elementor-widget elementor-widget-heading\" data-id=\"82f1253\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Degree of disability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4413652 elementor-widget elementor-widget-heading\" data-id=\"4413652\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Disagreements over the degree of disability assigned.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4224447 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4224447\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Each of these grounds has to be analysed <strong>in light of what was declared at the start of the contract<\/strong> and <strong>how the insurer handled underwriting<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3675f90 e-flex e-con-boxed e-con e-parent\" data-id=\"3675f90\" data-element_type=\"container\" data-e-type=\"container\" id=\"apolice\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-851cc68 e-flex e-con-full e-con e-child\" data-id=\"851cc68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-76766e9 e-flex e-con-full e-con e-child\" data-id=\"76766e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84982a3 elementor-widget elementor-widget-heading\" data-id=\"84982a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Policy<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdfc6f3 elementor-widget elementor-widget-heading\" data-id=\"bdfc6f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reviewing the policy before deciding how to act<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0acc10 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c0acc10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Before challenging an insurer's decision, <strong>the policy has to be read carefully<\/strong>: the <strong>cover taken out<\/strong>, the <strong>exclusions<\/strong>, the <strong>deductibles<\/strong> and the <strong>reporting deadlines<\/strong>. <strong>That is where you see whether the refusal has a basis.<\/strong><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8aa2da9 e-flex e-con-full e-con e-child\" data-id=\"8aa2da9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0050494 elementor-widget elementor-widget-image\" data-id=\"0050494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/rprmadvogados.com\/wp-content\/uploads\/2026\/10\/Advogado-de-Direito-dos-Seguros-no-Porto-2.webp\" class=\"attachment-large size-large wp-image-4160\" alt=\"Insurance claim reviewed with a lawyer\" srcset=\"https:\/\/rprmadvogados.com\/wp-content\/uploads\/2026\/10\/Advogado-de-Direito-dos-Seguros-no-Porto-2.webp 1024w, https:\/\/rprmadvogados.com\/wp-content\/uploads\/2026\/10\/Advogado-de-Direito-dos-Seguros-no-Porto-2-300x300.webp 300w, https:\/\/rprmadvogados.com\/wp-content\/uploads\/2026\/10\/Advogado-de-Direito-dos-Seguros-no-Porto-2-150x150.webp 150w, https:\/\/rprmadvogados.com\/wp-content\/uploads\/2026\/10\/Advogado-de-Direito-dos-Seguros-no-Porto-2-768x768.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39f2809 e-flex e-con-boxed e-con e-parent\" data-id=\"39f2809\" data-element_type=\"container\" data-e-type=\"container\" id=\"via-negocial\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c9341b elementor-widget elementor-widget-heading\" data-id=\"2c9341b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Out-of-Court<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-753474e elementor-widget elementor-widget-heading\" data-id=\"753474e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Out-of-court routes in insurance disputes: complaint to the insurer, the ASF and CIMPAS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7a6bf9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a7a6bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Before going to court, there are two out-of-court routes.<\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93f1927 e-flex e-con-full e-con e-child\" data-id=\"93f1927\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-df70f25 e-flex e-con-full e-con e-child\" data-id=\"df70f25\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9d82b4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e9d82b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-landmark\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M501.62 92.11L267.24 2.04a31.958 31.958 0 0 0-22.47 0L10.38 92.11A16.001 16.001 0 0 0 0 107.09V144c0 8.84 7.16 16 16 16h480c8.84 0 16-7.16 16-16v-36.91c0-6.67-4.14-12.64-10.38-14.98zM64 192v160H48c-8.84 0-16 7.16-16 16v48h448v-48c0-8.84-7.16-16-16-16h-16V192h-64v160h-96V192h-64v160h-96V192H64zm432 256H16c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h480c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1ed7ad elementor-widget elementor-widget-heading\" data-id=\"d1ed7ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ASF<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8751f5 elementor-widget elementor-widget-heading\" data-id=\"b8751f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The <strong>Insurance and Pension Funds Supervisory Authority (ASF)<\/strong> is the sector regulator and receives complaints, but <strong>has no power to set compensation<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a5caca e-flex e-con-full e-con e-child\" data-id=\"2a5caca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-990c689 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"990c689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-gavel\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504.971 199.362l-22.627-22.627c-9.373-9.373-24.569-9.373-33.941 0l-5.657 5.657L329.608 69.255l5.657-5.657c9.373-9.373 9.373-24.569 0-33.941L312.638 7.029c-9.373-9.373-24.569-9.373-33.941 0L154.246 131.48c-9.373 9.373-9.373 24.569 0 33.941l22.627 22.627c9.373 9.373 24.569 9.373 33.941 0l5.657-5.657 39.598 39.598-81.04 81.04-5.657-5.657c-12.497-12.497-32.758-12.497-45.255 0L9.373 412.118c-12.497 12.497-12.497 32.758 0 45.255l45.255 45.255c12.497 12.497 32.758 12.497 45.255 0l114.745-114.745c12.497-12.497 12.497-32.758 0-45.255l-5.657-5.657 81.04-81.04 39.598 39.598-5.657 5.657c-9.373 9.373-9.373 24.569 0 33.941l22.627 22.627c9.373 9.373 24.569 9.373 33.941 0l124.451-124.451c9.372-9.372 9.372-24.568 0-33.941z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09d1fd5 elementor-widget elementor-widget-heading\" data-id=\"09d1fd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">CIMPAS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bab10c5 elementor-widget elementor-widget-heading\" data-id=\"bab10c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><strong>CIMPAS<\/strong>, the Insurance Information, Mediation, Ombudsman and Arbitration Centre, authorised by the Ministry of Justice, offers <strong>mediation and arbitration<\/strong>, and <strong>the arbitral decision has the force of a court judgment<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2de4617 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2de4617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><strong>Neither route is mandatory before going to court<\/strong>, but going through them <strong>can resolve the dispute without the cost and time of a lawsuit<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-623cab4 e-flex e-con-boxed e-con e-parent\" data-id=\"623cab4\" data-element_type=\"container\" data-e-type=\"container\" id=\"via-judicial\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-765e9ef elementor-widget elementor-widget-heading\" data-id=\"765e9ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Court<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac5693 elementor-widget elementor-widget-heading\" data-id=\"2ac5693\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Court route: when to go to court<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10b52b4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"10b52b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Going to court makes sense when <strong>the amount at stake is high<\/strong>, when <strong>the out-of-court routes do not lead to agreement<\/strong>, or when <strong>the limitation period is approaching<\/strong>.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9941009 e-flex e-con-boxed e-con e-parent\" data-id=\"9941009\" data-element_type=\"container\" data-e-type=\"container\" id=\"contacto\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3989a03 elementor-widget elementor-widget-heading\" data-id=\"3989a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Speak to an Insurance Lawyer in Porto<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f50be3e elementor-widget elementor-widget-heading\" data-id=\"f50be3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Describe the claim or the insurer's refusal. We will tell you whether there are grounds to claim and which route to follow.<\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e926cce e-flex e-con-full e-con e-child\" data-id=\"e926cce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a0447 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"f1a0447\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/rprmadvogados.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explain my situation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1c24e0 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"f1c24e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/rprmadvogados.com\/en\/online-legal-consultation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request an online legal consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Insurance Lawyer in Portugal, Porto Legal support for policyholders in claims and disputes with insurers In Insurance Law, the firm [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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