Insurance Law
Insurance Law Practice – Mercio Advocates
Mercio Advocates provides specialized Insurance Law services, assisting individuals, businesses, and insurers with insurance contracts, regulatory compliance, claims management, and dispute resolution. The firm offers expert advice on policy reviews, contract drafting, and compliance with Uganda’s insurance regulations, ensuring clients navigate the complexities of the insurance sector effectively.
The firm represents clients in claim settlements, litigation, and arbitration, helping policyholders recover denied claims and assisting insurers in managing disputes. With expertise in liability, property, life, and reinsurance matters, Mercio Advocates provides reliable legal solutions that protect clients’ interests and ensure fair outcomes
Frequently Asked Questions
1. Is insurance compulsory in Uganda?
Certain types of insurance are compulsory under Ugandan law including:”
- Motor third party insurance.
- Workers compensation insurance for employers.
- Insurance for public buildings in certain circumstances.
Failure to obtain mandatory insurance may result in penalties and legal liabilities.
2. What should be done if a Ugandan insurance company rejects clients claim?
The client should;
- Request for the reasons for rejection in writing
- Review the insurance policy terms.
- Lodge a complaint with the insurer.
- Report the matter to the Insurance Regulatory Authority of Uganda if the matter is not resolved.
Seek legal action where necessary.
3. Can a client sue the insurance company in Uganda?
Yes, if an insurer wrongfully refuses or delays payment, the insured may file a suit for:
- Payment of the insured amount.
- Damages
- Interest
- Costs of the suit.
4. What happens if a client fails to disclose important information to the insurer?
Insurance contracts require utmost good faith. Failure to disclose material facts may allow the insurer to:
- Avoid the policy
- Reject the claims
- Cancel the insurance contract.
5. Can a beneficiary claim life insurance proceeds directly in Uganda?
Yes, if a beneficiary is named under the policy, they may claim the benefits upon the death of the insured, subject to the policy terms.
6. Can an insurer cancel my policy?
The insurance policies may be cancelled according to the terms of the policy or for the reasons such as:
- Non- payment of premiums
- Fraud.
- Misrepresentation.