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.

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