We are going to start a series of posts in which we will talk about real cases in which, thanks to the intervention of the insurance brokerage firm and the assistance of our claims experts, cases that used to be complicated and where a client alone can encounter many problems, can be solved in a solvent way.
Today, as a first part, we are going to talk about motor vehicle accidents, The insurance policy, the insurance par excellence taken out online, and we will see what problems the customer may encounter in the future. These are examples that are repeated relatively frequently.
The no-fault claim, how to avoid total loss?
Our insured had an accident in which he was hit from behind (so it was the damaged vehicle). When this happens, the opposing company pays our company what is known as a “module”, but it is our own company that assesses the vehicle to see what damage exists.
On this occasion, the car was deemed to be a total loss (which happens when the cost of repairs exceeds the market/actual value of the car). When this happens, it is a bummer for the insured as he has a car that works perfectly, but because of someone hitting it, he finds himself without a car and perhaps with €1,000 in his pocket to replace it.
In this specific case, thanks to the intervention of the brokerage, acting in defence of the rights of the insured, we managed to save the vehicle. After speaking with the expert, the garage and the company, an agreement was reached to repair it for €6,000, the value of the car being €6,500, avoiding the client having to look for another car and being completely satisfied.
Locate the attestation and settle the dispute
Our insured was driving in the city when he was hit from the side by a vehicle. They argue about the version of the facts and do not reach an agreement when filling out the friendly report, so the police went to draw up an attestation.
When we went to report the accident to the insurance company, the other company did not accept the blame, so the brokerage located the policeman who had witnessed the blow, and we obtained the statement that endorsed the version of our insured, forcing the other company to assume the blame, and our client was able to repair the car without any major problem.
The experience of an insurance broker
As you can see, it may seem very simple to take out insurance; however, the difficulty lies in the occurrence of a claim. That is when we need the assistance of a professional. On top of that, we do not charge any fees to the customer for that help, so much the better.
