What Is Casco Insurance?
Casco insurance (also known as comprehensive car insurance) provides coverage for damage to your own vehicle, regardless of who is at fault. Unlike mandatory “Civil Liability” insurance, which covers damage caused to others, Casco protects your car against risks such as accidents, theft, fire, vandalism, and natural disasters.
Can an Insurer Deny a Casco Insurance Claim?
Yes, insurance companies can deny a Casco claim — but not every refusal is justified. Insurers often reject claims by referring to technical details, alleged violations of the policy terms, or supposed missing documents. However, many of these denials are unfounded and can be successfully challenged with proper legal support.
What Should You Do (and Not Do) If Your Casco Insurance Claim Is Denied
If your Casco insurance claim has been denied—or if you’ve just experienced damage or an accident—it’s important to act carefully. The steps you take immediately after the incident can determine whether your claim is accepted or rejected.
1. Contact a Lawyer Immediately
You should contact a lawyer as soon as the accident or damage occurs, before filing your claim with the insurer. Legal guidance at this stage can prevent costly mistakes and reduce the risk of your claim being refused later.
Although court proceedings for Casco-related disputes in Bulgaria are generally not lengthy, you can still expect the process to take around a year and involve at least two hearings. By consulting a lawyer early, you may avoid the need for court altogether.
2. Be Cautious When Communicating With the Insurer
When you contact your insurer, all calls are recorded. Insurance representatives often ask leading or confusing questions designed to elicit statements that could later be used to deny your claim.
For example, you may be asked to explain exactly how the damage occurred—even if you were not present when it happened. Any uncertainty or incorrect wording might later be used by the insurer to argue that you provided false information.
If you are unsure how to describe the incident, do not speculate. Instead, consult a lawyer before making any formal statement.
3. How Advocate Markov’s Team Can Help
To avoid being misled or unfairly denied compensation, contact Advocate Markov’s team, which has extensive experience in compelling large insurance companies to pay refused Casco claims—plus interest and legal costs. .
Even if your claim has already been refused, we can assist you in challenging the insurer’s decision and representing you during court proceedings. While insurers may have many excuses to reject claims, there are often strong legal grounds for the court to rule in your favor.
Can You Win a Case Against Allianz or Other Major Insurers?
While Allianz may be an international financial and insurance conglomerate, no company is above the law. If an insurer fails to follow best practices or denies your Casco compensation without valid legal grounds, you have every right to challenge their decision — and you can win. You can read the case Advocate Markov v Allianz Bulgaria.
Bulgarian courts have a clear record of protecting policyholders’ rights when insurers act in bad faith or refuse to pay justified claims. With proper legal representation, even large insurance corporations can be held accountable and ordered to pay the full compensation, including interest and legal fees.
