CAR INSURANCE

Motor insurance companies employ automotive engineers to inspect and report on damage to vehicles.

They check that the damage claimed was caused by the accident concerned, that the repairs proposed are necessary and that the repairers' estimate is reasonable.

Most large insurers have engineers on their staff for the purpose.

There are also a number of independent firms of assessors who are instructed by other insurers and even on occasion by large insurers for out of the way accidents.

Motorists naturally do not like repairs to their cars to be held up by a lengthy wait for an engineer to call.

On the other hand an insurance company may feel that it is expensive to send one of its engineers a long distance simply to inspect one car. The British Insurance Association operates a scheme in some areas whereby inspection resources are pooled in order to combine speed with economy.


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Read On: Loss Adjusting Duties

On receiving instructions from an insurer, sometimes in the middle of the night, the loss adjuster visits the scene of the loss. Often quick decisions have to be taken about the protection and eventual sale of damaged property or about making emergency repairs. The adjuster is informed by the insurers of the extent of the policy cover and can guide the insured in the formulation of the claim. Although the adjuster gets his fee from the insurers he does not seek to deal with the honest insured on an adversary basis. He sees his job as helping to arrive at a settlement that is fair to both parties.... see: Loss Adjusting Duties


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We are not authorised to give advice and we are not liable for any financial advice provided by, or obtained through a third party. The information published on this website is for information purposes only. This site has been approved for compliance purposes by a Firm of Independent Financial Advisors who are authorised and regulated by the Financial Services Authority (FSA). The Chartered Insurance Institute

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