Car insurance: best practices in litigation

Properly address the situation of dispute, avoiding a confrontation long and unpleasant for both the insured for the insurance company.

Promote dialogue

The first rule in litigation is still trying to find an amicable solution by promoting dialogue. Also, after a finding, it is important to quickly contact the advisor or broker in charge of your case. This is an opportunity to obtain justifications and make your point of view.

This approach is unfortunately not the most common. However, it is often appreciated by insurance companies and after clarification of the parties it is common to reach an amicable agreement.

Associate with other insured

If the dialogue does not lead to an amicable resolution of the dispute, it may be worthwhile to use associations insured or consumers. This helps to get in touch with other policyholders in the same situation vis-à-vis insurance companies. Often, litigation, unity is strength and it can exert greater pressure on companies.

Think expertise contradictory

Often litigation auto insurance regarding the amount of compensation offered by the insurer. To the extent this amount is mostly determined by an expert; do not hesitate to ask for expert opinion. For this, it suffices to appoint an expert car at your expense. If the contradictory expert reveals large differences with the expertise achieved by the insurance company, a third independent expert will arbitrate the dispute.

Namely: the cost of third-party expertise is shared between your insurance company and you.

To use a mediator

Totally independent, the mediator intervenes free insurance of last resort. Also, other remedies must have been exhausted amicable and there should not be any legal proceeding.

To benefit from the intervention, simply submit the matter to the mediator of the insurance by registered letter with acknowledgment of receipt. This file should contain all parts necessary for the proper understanding of the issues as well as information on the insurance company.

Note: the decision of the insurance ombudsman does not require the insurance company but it is a strong argument if a prosecution should be initiated.

Auto Insurance expert intervention and expertise-cons

After a loss, your auto insurer will dispatch an insurance expert to assess the damage and estimate the amount of damages. In cases where the diagnosis does not suit you, you can call an expert assured.

First damage assessment

The damage: an insurance expert

The insurance adjuster will come to see the damage, estimated compensation and assess the financial consequences of the accident. This estimate will be based on guarantees your insurance and the options you have.

The coming of the expert is not systematic. If the damage is limited and compensation is low, the insurer will not send expert. The reason is financial: sending an insurance adjuster is the responsibility of the company.

It is strongly recommended to follow the work of the expert. First, to understand the damage assessment and compensation, but also to be able to challenge the diagnosis, if you are not satisfied.

The compensation cannot exceed the value of the vehicle.

Injuries: a specialist to repair the injury

To assess the injury, it is necessary to use a second expert. This is usually a specialist assessment of injury.

It is generally designated by the insurer, but it is possible to use a combination (such as AAF), which will help you to appoint an independent expert.

If a criminal investigation is opened, it is the court who will appoint a medical expert.

This expert is primarily a physician subject to medical confidentiality; it can not disclose any medical documentation to the insurer.

To prevent against long-medical expertise and very expensive, it is better to appoint your own medical expert.

The cons-expertise: Expert insured

Services

In case of damage against-material expertise, you will need to call in an expert insured. The expert will defend your interests and grow the amount of the claim. The expert insured is responsible for managing the entire file, paperwork early to claim reimbursement of benefits.

How to choose?

To hire an expert insured, ask about qualifications or prefer word-of-mouth, as the profession is not regulated. While it is theoretically independent and liberal, most experts are affiliated with an insured company. For the cons-expertise is fully independent, take the time to choose your expert.

Similarly, avoid disaster very important to sign a warrant, or think about it much. If necessary, take appropriate advice from people.

Rates

The intervention of an expert insured typically costs $ 150.

You should know that his intervention can increase the compensation of about 20%. It is therefore important to assess the usefulness of his speech beforehand.

Resolve the dispute

At the end of these expertise-cons, there are two possible scenarios:

The expert provided leads to the same conclusion that the insurance adjuster, the issue disappears and the estimate used is that of the expert insurer.

Damage assessment is contradictory; a third expert selected by both parties will undertake to arbitrate the debate. Following this, the dispute can be settled amicably or court.

For more information please visit our blog  Cheap No Deposit Car Insurance...

Young driver insurance

A driver aged 18 to 20 years causes about two and a half times more accidents than drivers aged 30 or more: so if you are young, the statistics are against you, this is why you are asked to pay more expensive...

Who is considered a "young driver" or inexperienced driver?

Novice drivers hold their license for less than 3 years.

Those who have their license for more than 3 years but who have not been insured during the 3 years preceding the start of the new contract.

Auto insurance novice driver

Surcharge: Up to 100% of the contribution base

Insurers apply a surcharge to ensure young drivers.

The surcharge applies:

For young drivers who provide their own vehicle.

For parents who add their child to youngdriver insurance on their vehicles.

The premium can go up to 100% of the contribution base (excluding bonus):

Up to 100% the first year.

Reduced by 50% the second year without fault accident.

Usually disappears in the 3rd year without fault accident.

Most insurers willing to insure young drivers, but some may refuse or impose a maximum real power of the car (between 75 and 90 hp for example).

Good to know: a young driver or younger than 25 years who occasionally borrowed his parents car and causing an accident must pay the deductible, unless the parents cancel the clause by paying a higher premium.

Cheaper for girls and children who have accompanied driving

Girls have better rates than boys because they cause statistically fewer accidents. This advantage may go to the complete abolition of the surcharge. Play the competition!

Young drivers have been accompanied driving (possible from the age of 16) can also benefit from a discount on the amount of contributions, because the law provides a ceiling on the premium. Insurers are found there, as their driving experience is more important.

You exchange your car upgrade your car insurance!

You go on vacation in the context of an exchange of housing and it is a good thing, because this opportunity is particularly advantageous for your budget. You can also extend the exchange to yourself, but watch out for car insurance! You'll have to take some provisions.

The home exchange, vacation 70% cheaper

The home exchange is to put you in touch with other people with whom you exchange your home. This can save you 70% on your vacation budget! You get free accommodation and fully equipped.

A beautiful adventure, provided predicts risks to your home, even if you trust your future guests.

Read our tip on home insurance and exchange houses.

The arrangements with your auto insurance

When the exchange for yourself as two things: you will have to arrange your own auto insurance and guarantees, and learn about the people with whom you exchange.

Attention to the provision of exclusive driving car insurance

The first step is to contact your insurer to inform the exchange. To make it possible, your contract does not contain the clause "exclusive driving", which works the same way as for a motorcycle insurance motorcycle insurance.

Indeed, the clause requires the exclusive owner of the car to be constantly single driver, otherwise the car and the driver is not covered.

Make sure your auto insurance covers drivers and passengers

Once removed this warranty, the insurer may extend the coverage of your auto insurance policy. Thus, you will be compensated in case of damage and the passengers in your car will be compensated for personal injury under the liability coverage (RC). However, the terms (clauses or franchises) apply.

Attention! For the driver to be covered, you must purchase additional coverage and optional (driver side).

Read the contract owners of the car

Before proceeding with the exchange, remember well people perform the same steps you with their insurer and let the contract to you.

Then, before getting behind the wheel, read the contract carefully, make sure it provides for ensuring third drivers and passengers, taking account of any collateral and covenants, including for damage.