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Considering the volume of automotive insurances on the market (casco/rca/green card), this type of claims covers a rather large portion of our current portfolio.
In time, we have built partnerships with some insurers on the market that do not have their own national network of claims inspectors and who chose to outsource in full or partially this service to us.
Services we provide:
- we deal with/settle casco type claims;
- we deal with/settle green card and 4th Directive type claims for foreign companies;
- assistance in case of need – road assistance/assistance for persons.
Asset and content claims
In the past year, the insurance market in Romania is changing/maturing continuously; to this effect, clients are starting to understand the importance of insurance and the benefit offered in case an insured event occurs.
Dealing with and settling the claims for buildings and assets is, at this time, a rather big challenge, as there are very few specialists in the field that understand that the assessment and the approach for such types of claims is different than in case of automotive claims.
Considering the significant and continuous increase of the proportion of non-automotive types of claims files in the total claims files of all insurance companies, there was a demand for a specialized company to act on a case to case basis or on a longer term to help insurers to not delay the claims settlement and to improve their own activity of settling the non-automotive claims.
For this reason, starting with 2009, we have developed the Department of Non-Automotive Claims which manages buildings and asset claims.
There is a wide range of claims, starting from simple flood/fire to claims exceeding millions of euros. You can count on our expertize, professionalism and promptness whenever you face such types of claims. All you have to do is contact us.
We provide the necessary support for ascertaining and settling the claims when this is outside a company’s own abilities or when an increase in personnel only for activity peaks or for complex claims is not desired.
We deal with claim files for:
- Professional Liability;
- General Liability;
- Financial risks.
These insurances cover the assets that are the object of the transport (by land, by river-sea, by air or mixed) and they are concluded for the value of the respective assets.
For these cases we use a team of experts that determine clearly the circumstances and guilt for the occurrence of the event.
Preserving the insurer’s regress and of the insured assets is a priority in case of such types of claims.
The strengths of Auto-Claims network for these cases: availability, promptness, useful and efficient decisions.
B.I. insurances are becoming more and more popular in Romania, especially for foreign capital companies or for those that, in general, have contacts with foreign partners.
Both the underwriting and the claim liquidation services require a high level of training and a specialization on this segment.
As in the other cases, Auto-Claims’ specialists, together with the representatives of the insurers/brokers act fast and make the best decisions in order to collect all the necessary documents/information and release the production flow.
Accidents involving persons
Any event having a cause that is unforeseen, external, visible, violent, accidental and completely outside the insured’s will and that causes bodily injury to them.
For this type of claims, Auto-Claims’ team of specialists collaborate with specialized medical personnel who can analyze the implications from a medical point of view.
The payment of the compensation is made into the insured’s account or into the account of the medical facilities, depending on the contents of the insurance policy, on the provisions of the related conditions and on the medical/financial documents provided by the insured/their representative.
Compensations for health/travel insurances
We collaborate with insurance companies that have outsourced to Auto-Claims the service line that deals with/liquidates such type of claims.
The claims files are opened for accidents, illnesses, death occurring during a trip abroad; the insured risk is covered only if it is not related to a preexisting manifestation of a known illness for which medical treatment prescribed by a doctor has been undergone.
This is a very important area for underwriting and analyzing risks.
Following the risk inspections performed by us, the insurers can modify the insurance product to eliminate/insert an insured risk in the insurance conditions, depending on the scope of business, production flows and endowments of the inspected location.
The expert report is a written document comprising all the necessary information concerning the occurrence of the insured risk, the causes and circumstances of the occurrence and the final opinions of the technical expert concerning the causality between the event in question and the objectives requested by the customer.
The final conclusion of the expert report is formed based on an actual research activity concerning the case and on the application of specialized data by competent persons.
The technical report explains the dynamic analysis, the kinematic chain and the technical processes that were performed during the assessment and presents the significant information used for the analysis.
The type, dimension and contents of a technical expert report varies depending on the type of event, the requirements of the client asking for the expert report and the nature and complexity of the technical report preparation process.