Insurance is a lucrative industry. This is associated with a lot of dangers. Now almost everyone is insured. Common among motorists indemnification from an accident. Every insurance company has a loss settlement department that does important work.
Insurance concept
Loss settlement is a procedure carried out by insurance companies. It is applicable to those cases when a contract is concluded between the company and the client. Insurance is a type of economic and legal relationship that protects citizens, as well as their interests.
Insurance business includes a range of services provided to customers by specialized firms. If we take into account the legal aspect of this activity, then it is based on the relations of the insurer and the insured. It should be borne in mind that insurance is extended not only to property, but also to the health of the client.
Compensation is carried out after the occurrence of the insured event, which must be prescribed in the contract. With such situations, the loss settlement department works. Moreover, each situation is individual.
What is a loss settlement?
By the settlement of losses is meant a set of measures carried out by specialists of firms. This is necessary to fulfill obligations that arose due to the occurrence of an insured event.
The loss settlement department is led by competent professionals. They should have knowledge and skills not only in the field of legal regulation, but also in the field of insurance. For example, an accident occurred. Those losses will be settled by those specialists who have a lot of knowledge and experience in solving such problems. The procedure itself includes several stages, each of which is important.
Loss settlement principles
The procedure begins with the application by the policyholder when insurance case. The document must be submitted to the loss settlement department, where they will consider it. This stage involves the analysis of the insured event. The specialist examines the situation in detail for compliance with its cases that were recorded in the contract. If all goes well, then the insurance company pays compensation.
It should be borne in mind that the amount of payments can be different depending on the situation and insurance amount. When a case occurs, it can only partially fall under the risks prescribed in the contract. Then the payments are proportional to the case, but they are much less than the initial insurance contribution. Sometimes the conditions under which the contract was concluded affect.
Ajaster's work
In order for the situation to be considered objectively, the loss settlement center employs an adjuster who is considered an independent intermediary. This specialist is the guarantor of the fairness of the performance procedure. Ajaster has its own rights. For example, he has the ability to control the process so that there is no violation of the interests of the insured.
Attracting this specialist is an advantage, as fraud occurs in such transactions. Moreover, both on the part of the insurer and on the part of the insured. For example, dishonest companies upon the occurrence of an insured event, when large payments are required, declare themselves bankrupt. To avoid such situations, the presence of an independent expert is necessary.
Rosgosstrakh
If an insured event occurs, then the client should immediately contact the loss settlement department.Rosgosstrakh takes measures to fulfill obligations under the contract. The reason is the statement or claim of the consumer. If everything complies with the principles of the contract, the policyholder receives a payment.
The stages and results of reimbursement are determined by the type of insurance document. If a property policy is drawn up, then the amount prescribed in the contract is provided. There are types of insurance for which the client is provided with compensation for all losses. The loss management department can help. Rosgosstrakh is known among motorists for honestly paying a refund. No wonder the company is among the best in its field.
Ingosstrakh
In almost every region there is a loss settlement department. Ingosstrakh also has offices throughout the country. This company is also well known. The insurer performs a set of procedures that must be carried out to fulfill obligations if an insured event occurs.
The loss settlement center conducts work in several stages. First, the customer makes a claim. With the consent of the insurer, the specified amount is paid to the insured. But often clients need to prove the existence of an insured event. In this situation, it will be necessary to collect a lot of documents, which takes a lot of money, effort and time.
RESO
There is also a remote loss settlement department. RESO works on this basis. This service allows you to reduce the time required to complete all actions. No need to go to the office.
The list of services includes the documentary preparation of the claim, inspection of damage to vehicles, preparation of a document for repair. The claim only needs to be registered in the control room. Experts examine it quickly, and you can get compensation at any office.
Thus, now many companies have such a center, which allows regulating the disputes of the parties. In case of contradictions, an independent examination is appointed, which allows to come to a single decision. The work of such centers is needed both for companies and for customers.
