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However careful you are when driving, accidents do happen. To keep this problem to a minimum, it is essential to know how to act in these situations.
There are two types of incident: the isolated incident, which does not involve any third parties, and an incident involving third parties. The way in which notification is made is important so that the insurer can sort out the incident speedily and assertively.
Incidents are usually notified by means of the Mutual Statement of Automobile Accident. Although this is a document drawn up so that drivers involved in an incident with third parties can reach an amicable arrangement about liability, it is also used for isolated incidents.
Don’t forget to provide photos!
Besides completing the form, or even if there is an amicable agreement between the parties involved, it is always important to take photos of the accident site.
Photos showing the position of the cars on the road, the type of road, the signs in place, the damage caused and the identification of the vehicles by their registration plates may, in many cases, help to resolve and clarify any potential dispute about liability between the insurance companies.
And the authorities can help
In an accident, the intervention of the police authorities is always recommended when the participants are unable to reach an agreement. This being the case, the drivers will probably provide contradictory versions to their insurers. If so, aspects such as road measurements or an analysis of the accident site by the authorities may help to settle the dispute.
The witnesses, if there are any, must also be referred to and identified to the authorities. The presence of the authorities is also vital in case one of the vehicles involved does not have valid insurance or a driver does not have valid documents.
When insurance is contracted with LeasePlan, you have the following options available for damage assessment:
Sending of photos to assessment
After the incident, if the car is circulating with only some minor damage and if the town/city for repair is Lisbon or Oporto, the loss adjustment and damage appraisal may be carried out using photos. After commencing the incident file procedure, the customer is contacted by LeasePlan via SMS on the mobile phone with a link, where can send the photos that prove the car condition and make it possible to assess the damage. After the information is submitted, you must wait for contact from LeasePlan or the workshop to schedule the repair.
See below how it works in just 3 steps:
1. Receive an SMS with a link
By clicking, you will be redirected to the LeasePlan photo-tool, where you can submit all data in an easy and detailed way.
2. Take a photo from each angle
You can take it out at the moment, using the auxiliary “mask”, or attach existing photos. Just align the vehicle in the image.
At the workshop:
Assessment in person without a scheduled time
The driver books the day of the loss adjustment directly with LeasePlan. On that day, the driver must leave his/her car at the selected workshop at its opening time. The loss adjuster, designated by LeasePlan, shall proceed to the workshop to carry out the loss adjustment. As soon as the loss adjustment has been completed, the driver is notified to pick up his/her car.
This service is available at some workshops. The driver books directly with LeasePlan the most suitable day to go to the workshop. Depending on the workshop, you may opt for the morning opening hours (from 8.30 a.m. to 11.30 a.m.) or the afternoon hours (from 2 p.m. to 5 p.m.). After choosing the period of the day, the customer may go to the workshop, wait no longer than 30 minutes and the loss adjustment will be carried out. This is because during this time period the loss adjuster is already at the workshop.
Photo-Assessment at the workshop
This service is also available at some workshops. The driver books directly with LeasePlan the most suitable day to go to the workshop. Depending on the workshop, you may opt for the morning opening hours (from 8.30 a.m. to 12.00 p.m.) or the afternoon hours (from 2 p.m. to 5 p.m.). The workshop has a mechanism system integrated with the loss adjuster which allows damage appraisal using photos.
And last but not least, the repair!
The follow-up of the whole repair process at the workshop by LeasePlan is what sets this service apart from a traditional insurer. From the day of the loss adjustment until the end of the repair, customers and drivers are given continuous feedback about the car repair status.
At a time when there are increasing difficulties getting parts by car manufacturers or workshops with less resources, delays in repairs are more frequent which may result in customer or driver dissatisfaction. So when the driver is informed about every step of his/her repair process, he/she will feel they have been properly cared for.
What’s more LeasePlan has a specialised team for monitoring and witnessing, at the workshop, all the steps and looking for solutions to avoid any delays in repair.
It is always by your side. Even in the most difficult moments.
- Constant repair monitoring at the workshop (LeasePlan collision Center).
- The customer can pick up the car free of charge at the workshop, depending on what is contractually agreed. It is then up to LeasePlan to subsequently settle accounts with the customer.
- If the liability of the other driver involved in the claim is expected, the amount of the deductible will not be charged to the customer. After the accountability clearance process, and as soon as the other party takes responsibility, it is resolved. Without any intermediate cost to the customer.
As traditional insurers usually do.
- The traditional insurer only activates the policy to pay the repair, if applicable.
- After a repair, with the traditional insurance company, you will have to pay the contracted amount of the deductible when the car is picked up in the workshop.
- In a traditional insurance company, the customer will have to pay the deductible, regardless of his responsibility for the claim, and wait for the liability to be determined. If so, then your deductible will be refunded.
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