The Rulebook on\nInsurance Ombudsman in the Republic of Srpska entered into force on January 21,\n2018.<\/p>\n\n\n\n
The Insurance\nOmbudsman is established at the Insurance Agency of the Republic of Srpska, and\nmain function of the same is to enable the out-of-court settlement of disputes\nand disagreements arising from and related to the insurance contract. The\nInsurance Ombudsman works independently and does not act as a representative of\nthe Insurance Agency. <\/p>\n\n\n\n
The procedure\nbefore the Insurance Ombudsman shall be initiated by submitting an objection by\nan eligible applicant, and the same shall also be considered as a request for\nmediation in order to achieve out-of-court settlement with the insurance company.\nThe objection shall be submitted on the form published at the Agency’s website.<\/p>\n\n\n\n
The eligible applicant\nin terms of this Rulebook understands an individual, in particular, the insurance\ncontractor, the insurer, the beneficiary of the insurance contract and the damaged\nparty based on the insurance from civil liability.<\/p>\n\n\n\n
The requirements\nfor initiating proceedings before the Ombudsman are that prior to addressing\nthe Ombudsman an objection against the decision on claims for compensation was\nsubmitted to the insurance company, then that no court proceedings were\ninitiated in the case, and that no more than a year had elapsed since the event\nor receipt of the insurance company’s decision on claims for compensation.<\/p>\n\n\n\n
\nAfter considering a complaint filed by an eligible applicant, the Ombudsman\nmakes a written recommendation if he\/she determines that the insurance company\nhas violated the Code of Conduct, Standards or good practice in the insurance or\nmakes a proposal for mediation if it finds that the Code of Conduct, Standards\nand good practice were not violated and assesses that there is a reasonable\npossibility the dispute can be resolved by mediation.<\/p>\n\n\n\n
If the insurance company\naccepts mediation, then the same enters the mediation procedure to resolve the\ndispute, where a written out-of-court settlement agreement has to be made, of\ncourse, with the consent of involved parties.<\/p>\n\n\n\n
The Ombudsman’s decisions\nas well as other legal documents cannot be appealed and used in the evidentiary\nproceedings before a court or other procedure in connection with the subject of\nthe dispute.<\/p>\n\n\n\n