Each insurance company may use different methods or systems to manage their claims, but in any case, there are a number of guidelines that are common to all companies.

If we are dealing with personal injury (also called lesions) is essential to gather as much information from the injured (age, type of injury, medical reports, contact details, etc.). As quickly as possible. After opening the accident report, as will being discharged to the injured has to find and where appropriate the relationship between the insured and the driver, what vehicle occupied square in the injured or whether it is a pedestrian, rider etc., calling the institution of injuries according to information made available at that time (the classification of the lesion is essential for carrying out the provisions for payment are required by law, insurance companies), although these reserves be updated as information evolves available.

As a general rule data will be requested to the court, companies and drivers contrary, it aims to try to discern the possible guilt or not the insured. In the event that the insured’s liability is established, it shall request the legal responsibility of the case report to the appropriate court hear the accident from the official report, witness statements, forensic reports.

Drafting of an accident

The drafting of an accident or completed determines the responsibility of the incident and is binding on the Underwriters as to the damage, in addition, provides:

1 .- The data recorded at the time of the accident.

2 .- The work of an employee who receives the part of a claim in the office.

3 .- The work of the handlers.

4 .- It streamlines the handling process: implementation of agreements.

You must use the accepted model for the European Insurance Committee (CEA).

Be used in all motor vehicle accidents, especially involving at least two vehicles.

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