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Old 21.01.2020, 12:11
Greenhill Greenhill is offline
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Re: Rejection of accident insurance coverage after a year

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No, mandatory accidents insurance is regulated by law and not by contracts or insurance policies.

Back to OP's problem: retroactive refusal of insurance cover is only permissible in a few cases. I suspect foul play on the part of the insurance company. Did they give you a deadline to appeal their decision?

Insurance companies are equipped with lawyers and experts to support there version. My case was rejected after a year where insurance company decided that I have to pay back all the cost including a knee operation. I had to involve Rechtschutz lawyers and they negotiated a deal where insurance company. My advice is to get a lawyer if the cost is too high.
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