Defence recourse insurance, comprehensive civil liability expertise
A company or individual invokes defence recourse coverage when they want their insurer’s help in mounting their legal defence or defending them in a joint loss adjustment. Our goal: prove third-party liability so that the insurer can proceed with compensation. Legal and technical support from insurance professionals to help their…
A company or individual invokes defence recourse coverage when they want their insurer’s help in mounting their legal defence or defending them in a joint loss adjustment. Our goal: prove third-party liability so that the insurer can proceed with compensation. Legal and technical support from insurance professionals to help their clients face a variety of legal disputes. Once we have been appointed, our objective is to prove or disprove the responsibility of a third party. Our loss adjusters intervene to support the legal and technical arguments of our client, whether he is an individual, a company or a professional.
Defence Recourse insurance, a special distinction
The Defence-Recourse cover is an accessory clause offered in the majority of Civil Liability (CL) policies. It is composed of two distinct parts:
- Defence: In the event that an insurer should pay for the defence costs advanced by the injured insured or the services of a lawyer.
- Recourse against the person allegedly responsible for the loss: The insurer accompanies the insured in the legal procedures and recourse to obtain compensation.
The intervention of our multi-specialist loss adjuster is included in the costs covered by the insurer and aims to clarify the situation and determine the system of responsibilities based on a technical analysis of the causes and circumstances of the dispute between the parties involved.
A necessarily contradictory know-how
As soon as our administrative teams receive the file, our managers pre-qualify the claim and direct it to a specialist or multi-specialist loss adjuster, capable of dealing with all the parties involved: professionals, the opposing party, insurers and experts.
For example, in a recourse case, an insured party orders wood from one of its suppliers. Infested by endogenous causes, the wood and other materials stored at the same location are damaged. The insured suffers a loss for which he does not have a specific insurance policy.
Thanks to the Defence and Recourse cover of his Civil Liability policy, the insured can benefit from the intervention of a loss adjuster specialising in this sector of activity to inspect the wood in question and take samples if necessary to validate the validity of the claim.
All the technical and legal elements identified by our loss adjuster are based on a factual and objective analysis of the case. If necessary, this technical argument can be enriched by the additional services offered by the Stelliant group.
Complementary services for any litigation in Defence-Recourse
Depending on the type and complexity of the case, our loss adjuster can call on the specific skills of the Group’s other specialities. Fire, automotive, industry, chemicals, environment… we coordinate know-how in project mode in order to offer a complete response and thus enrich our conclusions in anticipation of legal proceedings.
With agile investigative methods and controlled costs and deadlines, our teams support insurers and their clients in the global resolution of all disputes covered by the Defence-Recourse guarantee.
At the request of insurance professionals, our subsidiary specialising in delegated management takes charge of the entire volume and type of case, for a global response throughout the risk chain.
handled each year