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Claims

Preparation of claims to insurance companies and other addressees
Movable and immovable property damage, recourse claims, etc.

Price – from 100 EUR

Minimum completion time: 1 day
Urgent service: we prepare a claim, complaint, or other legal document within 1 day
Larger-scope documents: usually within 3–5 business days

Convenient: you can contact us by email, describe the situation, ask questions, and communicate remotely. We’ll look into it and respond as soon as possible.
Contacts: radiolex@finaura.lt, +37065422181

Tips after a traffic accident

Vehicle inspection, insurance, independent expertise.

The most important thing – stay calm and act consistently. Emotion-driven haste rarely helps.

Do not overuse independent expertise if it’s unnecessary. The insurer may refuse to reimburse the independent expert’s costs if you hire one before the insurer’s inspection (assuming the insurer is not delaying). Avoid excessive, ill-considered actions, but keep track of deadlines and insist on an inspection as soon as possible. If you urgently need a damage assessment (e.g., you need the car for work), agree with the insurer on an expedited inspection or, by agreeing in advance, that the loss will be compensated according to an independent expert’s report—so disputes don’t arise later.

There is a set deadline within which the car must be inspected and the damage calculated. The insurer or its representative must inform you when the inspection will take place and how long the calculation will take. You can find a lot of practical information on insurance companies’ websites.

If you need advice – write to: info@autovertinimas.lt

What to do if the insurance company calculated too little?

How to act if you disagree with the insurer’s calculated loss/amount or payout under MTPL or CASCO?

Below are non-binding but practically useful analyses, recommendations, examples, and opinions.

Call or write to the insurer. If the amount was given by phone or SMS, request the damage estimate and methodology—this is your right. The estimate shows how the damage was calculated, whether all parts and works are included. If the estimate is not provided, it’s a serious signal to check whether your rights are being violated.

Ownership is yours, so you have the right to know how the insurer transparently compensates your losses under the contract and laws. A specific estimate is a serious basis to start a dispute (not just a call or SMS). Using it, you can request explanations and corrections.

If items are missing or hidden defects appear, write a claim and request an additional/repeated inspection and a revised calculation. Attach the workshop’s defect/inspection report, a valuation report, or photos. Insurers often respond adequately to reasonable demands and recalculate the damage.

Do not start repair before submitting a claim. If the insurer ignores you and refuses to recalculate, consider independent expertise or seek a consultation: info@autovertinimas.lt

Inform the insurer what steps you will take if your demands are ignored. A valuation report is not an “absolute proof”; the insurer may challenge it. Review the rules and dispute-resolution procedures; check in advance whether additional expert costs will be reimbursed.

Important: if you believe the damage was calculated incorrectly—file a claim. Provide evidence: a specialist’s opinion, an independent appraiser’s report, workshop estimates, annotated photos, etc. Disputes are resolved by evaluating the entire body of evidence. A property valuation report is a proper means of proof but has no predetermined superiority—therefore, it’s rational to exhaust all measures before independent expertise.

Claim form and preparation

We professionally prepare legal claims. We evaluate feasibility and options free of charge.
Contacts: 865422181, radiolex@finaura.lt

Prices:

  • Minimum price: 60 EUR
  • Typical price: 100–150 EUR
  • Minimum turnaround: 1 day
  • Urgent: documents within 1 day
  • Larger documents: 3–5 business days
  • Success-based payment possible.

Key rule: a claim based on a random template looks unconvincing. The most important things are legal arguments and precisely presented facts.

We professionally prepare strong, well-argued claims.
Contacts: radiolex@finaura.lt, +37065422181, +37064444881

We prepare claims and responses (examples)

For travel agencies and organizers; regarding life and motor insurance; debts; discourteous service; breaches of contract terms or verbal agreements; consequential losses; education quality; actions of managers; service quality (jewelry, footwear, clothing, furniture, toys, appliances, cosmetics, etc.); termination of vehicle sale-purchase; evictions; public procurement; undelivered parcels; auto repair shops; damaged cargo; unpaid services; non-conforming goods; tourism services; copyright; refunds; contract termination; poorly provided services; flight delays; medical actions; refusal to transport; financial services; lost baggage; late deliveries; works not completed on time; unpaid interest; non-compliance with settlement agreements; returned loans; creditor claims; debtor obligations; construction, repairs, roofing, plumbing works, damaged materials; return of items; misappropriation of funds; compensation for a defective car; noise; unpaid wages and authors’/related rights; late cargo delivery; food delivery; damaged packaging; decisions/ordinances; eviction and termination of gratuitous use; offense to morality; non-transparent hiring; promotion organization; slipping/tripping/falling incidents; hidden defects; unlawful personal data processing; device operation; translation services; DPD performance; warranty repair; online purchases; working conditions; rights of passengers with special needs; delayed baggage carriage; cars with hidden defects; real estate lease agreements; prolonged document acceptance; delivery discrepancies; order outcomes; product defects; compensations; unpaid debts; ticket registration errors; fines; incomplete sets; defects; building renovation, finishing; inaction of officials; hotel services; homeowners’ associations; managing companies; poor product quality; geodetic works; NGOs; decision-making procedures; company managers; cargo transport; gratuitous use; rent arrears; apartment/house rental; nursing staff; wheel balancing; poor telecommunication/internet; road surface maintenance; co-owner actions; mold in food products; use of monetary contributions; events; etc.

We also prepare complaints: against bailiffs, defamation, termination/refusal to open pre-trial investigations, administrative offense rulings, disability determinations, kindergartens/schools, prosecutors, maladministration, bailiffs’ procedural actions, presidium resolutions, lawyers’ ethics, work computers with personal data, financial services, shortening driving ban terms, sexual harassment, unlawful activities, increased prices of essential goods, inspection acts, imposed fines, waste-management companies, data protection, poorly provided services, illegal logging, “Sodra” actions, non-compliance with self-isolation/quarantine, non-final court decisions, safety requirement violations, odors and air pollution, non-publication of meeting recordings, reconstructions, damaged goods, failure to ensure proper nutrition, mobile phones, work capacity assessments, doctors, renovations, dentists, data protection, neighbors, keeping of dogs, referendum commissions, cadastre/registry decisions, administrators’ activity, parking, A/C in public transport, waste management, energy facilities, device and metering safety, operation, energy quality, fake discounts, possible corrupt acts, solarium operations, environmental pollution, unlit city streets, psychologists’ professional activity and ethics, possible voter bribery, public procurement.

Theoretical aspects: what is a legal claim?

Claims are one of the most effective ways to resolve a dispute before court, minimizing time and cost. A properly prepared claim, based on legal norms and case law, is often satisfied without litigation.

Minimum requirements for a claim (without deep legal insight)

Indicate in the claim:

  • Information about the person/company that failed to fulfill obligations;
  • Information about the contract (date, number, subject);
  • The essence and objectives of the claim;
  • References to applicable legal acts;
  • Demands, method of compensation, and deadline.

Important: no emotions—only facts and law. The tone must be professional: clear steps and legal grounds.

Structure

  • Introduction – date, place, addressee, sender, document title.
  • Descriptive–motivational part – facts, legal basis (laws, contract terms), evidence.
  • Operative part – specific demands and deadlines.
  • Calculation of amounts.
  • List of annexes and annexes (numbered, with a list on top).
  • Signature and initials at the end.

An out-of-court claim may be labeled as such—if demands are not met within the statutory or specified term, you will apply to court.

Service

  • In person: two identical sets; the addressee confirms receipt with stamp/signature/date.
  • By post: registered letter with a list of annexes and delivery slip.
  • By courier: ensure documentation of delivery of documents and annexes.

Pre-trial dispute resolution and the role of Claims

In some cases, the pre-trial procedure is mandatory (set by law or contract). Failure to follow it may result in the return of your claim by the court. Claims help recover debts without stamp duty and save time.

Practice: claims to insurance companies

Why contact us? Insurers seek to reduce expenses; even following the law, payouts may be reduced using the client’s lack of knowledge. The aim of a Claim is a peaceful and legally sound solution. Even if you expect a negative response, a claim is a mandatory step before litigation.

Common situations for filing claims:

  • Insufficient payout amount. You may order an independent expertise; if the difference is >10%, this is grounds for dispute.
  • Refusal to pay. You have the right to challenge.
  • Late payment. After deadlines—grounds for a claim.
  • Constant delays, repeated requests for documents.
  • Reduced payout not accounting for parts, labor, materials.

Legal basis: pre-trial procedure is enshrined in law. Courts won’t consider MTPL payout claims without an official insurer’s refusal.

Insurers’ forms: some companies have their own complaint forms—fill them in yourself or with a lawyer’s help.

What to indicate in a claim to the insurer

  • Parties’ data (natural or legal person).
  • Circumstances of the dispute, contract clauses you dispute.
  • Disagreement with the amount and specific compensation demand.
  • Data about the damage assessor.
  • (Optional) Moral damages with justification.
  • Warning: if unpaid, you will go to court.
  • List of annexes.

Annexes (examples)

  • Copy of ID (or company details).
  • Vehicle and damage documents.
  • Insurance policy.
  • Accident documents (police, accident statement, etc.).
  • Medical certificates (if any).
  • Independent expert’s opinion.
  • Expense documents (e.g., towing invoices).

The more substantiated documents, the higher the chances of success.

Deadlines

The insurer must accept the application, recognize the event as insured, review documents, send an expert, calculate the payout, and pay within the statutory period. When submitting a claim, record dispatch and receipt dates. If you are late, recovering payment—even in court—may be harder.

Late-payment penalties

You may demand late-payment interest for each day of delay. If there is no response—apply to court.

When can the insurer refuse?

  • The event is not insured (e.g., driving under the influence).
  • The applicant is not a party to the accident or not authorized.
  • Not all documents provided or deadlines missed.
  • Contract terms were breached.
  • Ongoing investigation/court case; difficult to determine fault.
  • The demand is improperly formulated; data missing.

If you believe the refusal is unfounded, defend your rights in court—the court will assess the legality of the refusal and may sanction the insurer.

Claims when no settlement is reached

If the out-of-court Claim is not satisfied—file a lawsuit. Amounts already paid by the insurer are deducted from the awarded sum. Submit several copies and copies of all evidence.

Recommendation: consult a lawyer—an inaccurate initial claim can complicate the process.

Why choose Radiolex?

  • Legal assistance 24/7
  • Responsible, professional work
  • Confidentiality
  • Flexible pricing
  • Result-oriented – compensation of your losses

Our goal is to solve your issues and prevent new ones. Much can be done remotely, without meetings.

Contacts: +37065422181, radiolex@finaura.lt
Languages: LT – PL – EN – LV – RU

Claims – key takeaways (summary)

  • Claims are legally grounded, fact-based documents that often resolve disputes before court.
  • Structure: introduction → reasoning → demands → amounts → annexes → signature.
  • Deadlines and service: record dates, follow the procedure.
  • Insurance disputes: start from the estimate and a clear Claim; if needed—independent expertise, best when coordinated in advance.
  • Assistance: Radiolex will prepare a professional Claim and represent you in negotiations or court.

Pricing (summary)

  • Claims at minimum – 60 EUR (typically 100–150 EUR).
  • The minimum applies to more formal cases (return/replacement of low-value goods, compliance with contract terms, unpaid wages, etc.).
  • Another minimum: 50 EUR per page of a legal document.
  • We can link the fee to the recovered amount (pay later or assign the claim).

Contact us – we can help: +37065422181, radiolex@finaura.lt