What Happens When You Have an Accident
Terms Of Intervention In The Accidents
Car Accidents
We receive the Warning of Appraisal that indicates the day in which the vehicle will be at the mechanics garage. We will appraise the vehicle during the morning of the indicated day, unless the Company indicates that it has to be carried out in the evening.
Other Incidents
Once the Warning of Appraisal is received in our offices, the Insured will be contacted by telephone within 24 hours, with the purpose of arranging a visit.
Downtimes Of The Accidents
Car Accidents
Once the appraiser has visited the mechanics garage, the Company will be informed within 48 hours, by means of the definitive Appraisal Report, in the case of closing of the appraisal, or with an Advance of the Appraisal, when it is not possible to close the appraisal in the first visit, by possible disassembling of the vehicle or other circumstances.
Also, in the case of not being able to close the appraisal within the next days, follow-up reports will be made every 7 days, indicating the state of the accident.
Other Incidents
Once the appraisal has been made, the Company will be informed within 48 hours, by means of the definitive Appraisal Report, in the case of closing of the appraisal, or with a Preliminary Report if it is not possible to conclude the appraisal, indicating the circumstances and the estimation of damages.
Also, in case of not being able to close the appraisal in the next days, follow-up reports will be made every 7 days, indicating the state of the accident.
Proposed Objectives
In its commitment of collaboration with the different Insuring Companies, this professional office has as primary target obtaining optimal results on each exercise, maintaining the precise levels of quality and service, with the purpose of fulfilling the requirements demanded.
In order to obtain and to guarantee in a maintained way this objective, it is acted consequently following the directives and performance standards detailed below.
Performance Standards
Car Accidents
- Reduction of the average cost of the accidents, by means of the control of the repair times, adjustment of prices of painting, repair of bumpers and plastic pieces, recovery of mechanical pieces, etc.
- Detection of possible fraudulent accidents verifying opposite vehicles and reconstructing accidents, contrasting reciprocity of damages, form of occurrence and declared versions, possible relation between the parts, etc.
- Exhaustive observance of the terms established for the intervention and delivery of the accidents, trying to reduce to the maximum the times of closing of definitive reports.
- Reiteration in the intermediate follow-up visits to the mechanic garage, with the purpose of supervising and verifying the development of the repair of the vehicle, controlling from the first moment the times and replaced materials, carrying out a progressive appraisal of the damages, avoiding therefore the appearance of new pieces and hidden damages.
- Totally computerized management in the processing and shipment of Advances, Expert Reports and Valuations to Companies and mechanic garages, with the purpose of reducing to the maximum the time for the resolution of the accident.
- Search and selection of Arranged mechanic garages by express request of the Company to obtain to reductions in prices hour, possible discounts, improvement of conditions of payment, etc.
Accidents Of Diverse Risks
- Exhaustive observance of the terms established for the intervention and delivery of the accidents, trying to reduce to the maximum the times of closing of definitive reports.
- Reduction of the average cost of the accidents by means of the control and adjustment of valuations with internal and external Repairers, as well as by means of the precise application of the Contract of Insurance, analyzing capital insured, measures of protection and prevention, possible proportional rules and of fairness, depreciations, etc.
- Immediate telephone contact with the Insured, at the moment of the reception of the Warning of Appraisal, with the purpose of knowing the initial state the accident and its urgency, and to arrange a later visit to the Risk.
- Expert intervention in no workable days, in those cases in which the Insured resides in place different from the one from the Risk and is not possible to him to go during the week.
- Detection of possible fraudulent accidents objectively verifying causes and circumstances of the facts, contrasting versions and declarations of the parts through third persons, verifying real dates of occurrence and antiquity of the damages, etc.
- Totally computerized management in the processing and shipment of Advances, Expert Reports and Valuations to the Companies, with the purpose of reducing to the maximum the time for the resolution of the accident.
- Adaptation of the tariffs of reparation established by the different Insuring Companies, applying them in all the accidents when internal or external Repairing take part, obtaining this way that the established prices stabilize progressively.
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