Car insurance is mandatory for several reasons. Accidents are frequent, so it is necessary to have coverage to protect yourself and your property. In the event of damage, reimbursement is thus stipulated in accordance with the contract.
However, In order to determine the responsibility of the main parties and to determine the final invoice, the intervention of an expert may then be required. Although his word cannot normally be questioned, it is possible to have the last word. Here’s how you do it.
The expert’s roles and missions
The adjuster plays a key role in any loss that is covered by insurance. He is a professional who has all the necessary skills to carry out investigations of any kind on behalf of a company or commissioned by an individual.
He is particularly responsible for identifying the elements involved and making the findings necessary to close a case. His work will be important in determining the final bill to be paid by the insurance company.
Ability to verify expertise
Insureds have rights that they can enforce under the expertise carried out by insurance companies. It is therefore strongly recommended to attend his intervention to ensure that everything is transparent.
If the person concerned is not available, he must also leave all useful documents within reach of the professional (registration document, joint report and other necessary supporting documents). Typically, an agreement is planned so that all parties involved can participate.
Dispute resolution available
It is true that the expert has specific skills and know-how in damage assessment. Nevertheless, his word is not entirely indisputable. Before that, it is first necessary to engage another expert to perform the conflicting expertise.
A few searches on the Internet or in the yellow pages make it possible to find a partner to engage in this direction. If the two parties reach different conclusions, it will be necessary to involve a third expert, whose fees are shared by the insured and the insurance company.
Specifications for stolen cars
You should know that an expertise is required even in case of theft of the vehicle. In order to obtain financial compensation from the insurance companies, investigations are then carried out to determine what value will be taken into account when calculating the compensation. The best thing to do would be to order an expertise even without claimsbecause the documents can be very useful if a theft is ever reported.