{"id":13625,"date":"2023-11-17T08:17:52","date_gmt":"2023-11-17T07:17:52","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=28551"},"modified":"2025-09-11T14:37:37","modified_gmt":"2025-09-11T12:37:37","slug":"how-an-insurance-broker-handles-claims","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/como-tramita-los-siniestros-una-correduria-de-seguros\/","title":{"rendered":"How does an insurance broker handle claims?"},"content":{"rendered":"<p>The <strong>difference<\/strong> fundamental choice between having insurance directly with a company or through a brokerage firm <strong>is perceived in the event of an incident<\/strong>. Today we will take a look at what this work consists of and the numbers of our own brokerage.<\/p>\n<h2>What does the claims department of a brokerage do?<\/h2>\n<p>We are fortunate to have <strong>two people in the claims department<\/strong>, with more than <strong>20 years of experience<\/strong> between the two.<\/p>\n<p>We have already talked about <a href=\"https:\/\/pibgroupiberia.com\/en\/blog\/recommendations-in-your-claim-report-to-the-insurer\/\">how to report a claim,<\/a>\u00a0We will therefore focus today on the functions of this department. Its fundamental tasks are to:<\/p>\n<ol>\n<li>Receive claims communications and expedite the dispatch of trades and loss adjusters (if required).<\/li>\n<li>Assist in the management of the dossier, ensuring:\n<ol>\n<li>Accelerating and shortening response times<\/li>\n<li>Responding to requests from policyholders<\/li>\n<\/ol>\n<\/li>\n<li>To achieve the settlement of the claim as favourable as possible to the client.<\/li>\n<\/ol>\n<p>In these functions, it is essential to be clear about the principles of a brokerage:<\/p>\n<ul>\n<li>helping the client<\/li>\n<li>defend you against the company, so that it does not abuse its dominant position.<\/li>\n<\/ul>\n<h2>The claims volume of an Insurance Brokerage Firm<\/h2>\n<p>We have seen how we assist our clients in the event of a claim. What we have not discussed, however, is how,<\/p>\n<blockquote><p>Thanks to the processing of dozens of<strong> thousands of claims over the years<\/strong>, we know the <strong>guilds, to the trades, to the processors and to the experts<\/strong>, facilitating their management<\/p><\/blockquote>\n<p>This experience gained and trust with these people is essential to help in claims, when asking for favours and exceptions, as not all claims are easy.<\/p>\n<p>Let's look at the <strong>number of claims of our brokerage, <\/strong>in the years:<\/p>\n<table style=\"width: 447px; height: 92px;\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\">Year 2015<\/td>\n<td style=\"text-align: center;\">1.303<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Year 2016<\/td>\n<td style=\"text-align: center;\">1.249<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Year 2017<\/td>\n<td style=\"text-align: center;\">1.386<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>As we can see, they are <strong>more than 100 open claims per month<\/strong>, almost 4 a day. This translates into total confidence with loss adjusters, claims handlers and claims managers. It helps us to know how to handle ourselves.<\/p>\n<h2>How claims are distributed between the different types of insurance<\/h2>\n<p>Let's take a look at the list of claims for each type of insurance in 2017 in our brokerage:<\/p>\n<ul>\n<li>Household insurance claims: 418<\/li>\n<li>Auto policy files: 336 (excluding road tows)<\/li>\n<li>Number of community insurance claims: 136<\/li>\n<li>In SME, company policies: 86<\/li>\n<li>Claims on trade, business policies: 71<\/li>\n<li>Self-employed persons on sick leave insurance: 45<\/li>\n<li>Liability claims: 156<\/li>\n<\/ul>\n<p>If you want to have a <strong><a href=\"https:\/\/pibgroupiberia.com\/en\/location\/zaragoza\/\">Insurance Brokerage in Zaragoza<\/a> experienced<\/strong>, here we are. As our motto says: <em>\u00abwe manage your insurance, we secure your future\u00bb.\u00bb<\/em>. Come and enjoy these advantages now. We serve customers from all over Spain.<\/p>","protected":false},"excerpt":{"rendered":"<p>The differential value of an Insurance Brokerage Firm can be seen in the appropriate management of claims.<\/p>","protected":false},"author":14,"featured_media":13143,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[15,16,152],"tags":[164],"class_list":["post-13625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas","category-particulares","category-profesionales","tag-corporativo"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13625","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=13625"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13625\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/13143"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=13625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=13625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=13625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}