After a minor or major loss, it is essential to follow the compensation procedure initiated with your insurer. After the first visit and the insurance expert’s report, you received a compensation proposal that does not suit you. For this reason, you would like to organize a counter-visit in the presence of the insured expert that you have chosen.
However, to maximize your chance of being compensated, it is important to make the right choice.
But then, how do you choose your insurance expert?
An insurance professional defending your interests
Unlike the insurance expert, the insured expert is, as its name suggests, chosen by the insured client who has unfortunately suffered a loss. It is very important to choose it well because it will play a decisive role in representing your interests with your insurer. Thus, a serious and responsive insured expert will maximize your chances of being well compensated, hence the importance of being vigilant when making your choice.
So, do not hesitate to contact several insurance expert firms before making your choice. In addition, it is recommended to inquire in advance before signing. You will therefore be attentive to his experience, try to obtain feedback from former claimants, etc. To this, it is important to add that you must be certain that he does not work for an insurance company directly or indirectly. Indeed, he must be perfectly impartial.
A well-defined contract
Each insured or insurance expert is specialized in a specific field. Thus, you will not choose the same expert for a car accident as for a fire or even personal injury. You must therefore be certain that the chosen expert has all the skills and knowledge necessary to estimate the damage and, consequently, the resulting compensation.
Beyond skills and experience, remuneration is a point to check before committing. Insurance experts intervene on medium and large-scale claims. However, they are perfectly capable of intervening in any claim or damage, regardless of its scale.
Before committing, you must ensure that the expert you have chosen is well-paid on a percentage basis. Indeed, their fees depend on the amount of compensation and represent between 5% and 10% of the total sum. However, your contract may provide for the costs related to the intervention of an insured expert. In this case, the fees will be partially or covered by your insurer depending on the ceiling previously defined by your contract.
To choose your insurance expert wisely, you should be interested in their reputation, their experience, and the amount of their fees. Don’t hesitate to play the competition and question several to get an idea and compare the different offers: look at the references, experience, and philosophy of the different service providers. a specialist firm, you will be able to see their experience through the many figures and references indicated.
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