Damage insurance claims online

23 April 2013

A successful innovation is providing victims of accidents with an online, web-based option to claim their damages with the insurance company. The service is based on personal contact focused on the problems and needs of the claimant, as well as the system that contains calculation and business rules showing the claimant instantly an indication of the compensation to be expected.

The system supports the claim handling by calculating the damages, verifying the need for experts and/or evidence and warning when agreed timeframes have elapsed. This way the claim handler can focus on the person of the claimant, the injuries that were inflicted and the problems that emerge from that. Instead of checking damages, the claim handler can advise and conduct the process. In practice this leads to a much more constructive discussion between insurer and claimant, instead of the negative tinted discussions about money and damages.

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