Claims
Why an insurer wants to hear about an incident you have no intention of claiming for
Notification and claiming are separate obligations, and the reason for the first has nothing to do with…
· 4 min read
Claims
The first call after a collision decides more than most people expect
Almost everything an insurer will ever know about an incident is fixed in the first hour, and the file that opens on that call shapes how the rest of it is handled.
By Lukas Brenner · · 3 min read
Claims
How liability gets decided when both drivers are certain they were not at fault
Fault is a legal conclusion reached by negotiation between insurers on the evidence available, and the…
· 3 min read
Claims
What a write-off category means and how the settlement figure is put together
A total loss is an economic judgement about repair cost against value, and the category attached to it is a…
· 3 min read
Claims
The insurer’s valuation and yours are answers to two different questions
One side is estimating what a comparable vehicle costs to buy today; the other is thinking about what this…
· 3 min read
Claims
What a courtesy car actually promises, and why like for like rarely means it
The replacement vehicle offered after an incident is a service with its own rules about class, duration and…
· 4 min read
Claims
What happens when the other driver has no insurance, or never stops
Most jurisdictions maintain some fund or bureau of last resort for victims of uninsured and untraced…
· 4 min read
Claims
Why the other driver’s insurer telephones you before your own does
Third party capture is a deliberate commercial strategy in which the liable insurer contacts the victim…
· 4 min read
Claims
Credit hire is a loan of a car, and the borrower is you
A replacement vehicle supplied on credit hire terms is charged at rates intended to be recovered from the…
· 4 min read
Claims
Storage and recovery charges accumulate while nobody is making a decision
A damaged vehicle removed from the roadside starts costing money by the day, and the bill is often the…
· 3 min read
Claims
When an insurer pays for a repair, the bodyshop is working to somebody else’s estimate
The authorisation behind a repair is a negotiated document, and the delays, the arguments about hidden…
· 4 min read
Claims
An approved repairer is an arrangement you join by default rather than choose
Repair networks exist because volume buys lower prices, and the benefits they carry for a policyholder come…
· 4 min read