In the insurance industry, after a policy is taken out, an automobile claim is one of the most important moments in the insured-insurer relationship.
Over the years, the number of accidents has fallen by about 2% per year. This is due to a combination of many criteria: vehicle reliability and equipment (ADAS), prevention and enforcement policies of public authorities, quality of road infrastructure, etc.
On the other hand, the cost of repairs has risen sharply: price and number of parts, labour rates, waste treatment, etc. The Claims Manager therefore has a crucial role to play in containing these costs as much as possible (repairer orientation and speed of treatment) and providing an ever better service to his policyholder. But how can they be helped to accomplish their tasks?
Today, we live in a totally digital world. Policyholders are largely hyper-connected and informed. A new mode of consumption has emerged with ever more demanding expectations. So whatever the type of car claim, it is essential to ask the right questions and find medium and long-term solutions.
Policyholders want offers that are fully adapted to their needs. The notions of simplicity, transparency and adaptability are essential for them. These new habits have turned the insurance industry upside down. In the event of an automobile claim, it is now possible to automate the expertise process. Tools have been developed to simplify and accelerate the daily procedures, in particular by making the insured a player in the processing of his file.
How do you do it? The insured can now declare, carry out and follow up his file. A way for the Claims Manager to have standardized, easy and quality processes!
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If the insured can now take care of his claim and put together a complete and standardized file, the Administrator will save time: no more indecent follow-ups to get the file completed. The optimization of expenses and missions is a very important element to take into consideration. Yes, because if the Manager saves 2 hours per day, that's 10 hours per week and 544 hours per year saved. This is a significant amount of time that can be spent on other tasks, becoming versatile and focusing on higher value-added actions, and being more serene. Teams must therefore be taught to reinvent themselves and adapt to changes in the sector. Insurers/brokers need to be much more agile. Even if implementing this type of solution seems, wrongly, complex, time-consuming and expensive, it is both a real investment for the future and a rejuvenated image.
In the insurance industry, the objective is to truly put the customer at the heart of its strategy and new offers. By implementing process automation, the insurer is guaranteed to save time. But the most fundamental element is to process the files as quickly as possible. And faster case processing means satisfied and loyal customers. In addition, the insured feels invested and empowered!
Digitalization has highlighted the weaknesses of the insurance sector, which is still too little affected by this phenomenon. But the sector is making progress. We are facing much more profound changes that are shaking up the insurance model. So, if you are reading this article and have not yet taken the plunge, it is time to take action! WeProov is here to automate the declaration and management of your claims and thus save you money.
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This Wednesday, March 3, 2021, the 5th edition of the Road Safety Innovation Award was held.