Vehicle crashes: Comprehensive car insurance
In the event of a vehicle collision, the driver who is at fault and his insurer must be able to rely on a quick, clear and well-founded know-how, included in the all-accident damage cover. In the majority of cases, a vehicle collision involves two separate parties. This creates a multitude…
In the event of a vehicle collision, the driver who is at fault and his insurer must be able to rely on a quick, clear and well-founded know-how, included in the all-accident damage cover. In the majority of cases, a vehicle collision involves two separate parties. This creates a multitude of risks that threaten the third party driver, the other people involved and any other element in the environment (tree, wall, road signs, etc.).
What are the risks of a vehicle crash?
In most cases, vehicle collisions involve two different parties. This comes with many different risks for both the driver and the other people involved. Objects in the environment (e.g. trees, walls, signs) can also be affected by an accident.
When damage is caused to a third party, the driver can face a civil liability suit. If the suit goes forward, the policyholder’s automotive civil liability guarantee also covers their legal defence during that trial and any appeals. However, a car accident can also result in injury to the driver. Injuries resulting from an accident are covered by the driver’s protection guarantee.
Many types of damage can also affect the vehicle: deterioration, fire, broken glass, etc. These are covered by the all-accident damage guarantee, which also covers damage from natural disasters, acts of vandalism, rockslides, etc.
Finally, vehicle crashes can endanger not only the vehicle itself, but also everything inside of it: accessories and features, goods, business equipment, etc. All of these risks may be covered by additional guarantees: vehicle part guarantee, transported goods guarantee, etc.
Vehicle collision specialists
Vehicle collisions fall under a particular form of liability, requiring deep legal expertise to perfectly defend the case. To rise to the occasion, Stelliant Loss Adjusting has put together a network of specialists in this area. This team of 20 or so people focuses solely on vehicle crashes covered by all-accident damage guarantees.
With high-level legal skills and an excellent understanding of insurance, Stelliant’s loss adjusters are specially trained for this type of guarantee. These are not generalised insurance professionals: true loss adjusters are mobilised to help masterfully resolve each case.
An innovative approach offering major advantages
In addition to deploying highly specialised experts, Stelliant Loss Adjusting distinguishes itself in two important ways:
- Innovating and using video loss adjusting when possible, which saves a lot of time and decreases the need for travel.
- Deeply examining each case ahead of meetings: talking with the town hall, studying special local regulations, etc.
This innovative approach offers major benefits, especially for individuals: in 50% of the cases handled by Stelliant, the driver is exonerated of liability. These excellent results are made possible by the advanced legal knowledge of Stelliant’s experts, as well as our one-of-a-kind, cutting-edge way of managing cases.
With our complete range of insurance services, Stelliant Loss Adjusting is also able to count on the expertise of the laboratories at INQUEST to search for the causes of an accident and prevent the loss from occurring again in the future.
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