Facts

The Six Most Expensive Mistakes Insurance
Companies Make on Multi-Claim Overspray Losses

OFFERING CASH SETTLEMENTS

This has proven to be deadly ineffective. The owners of older vehicles or “junkers” may accept cash. The move concerned claimants will want large amounts of cash or expensive paint jobs. Either of these creates a chaotic mixture of disproportionate solutions.

USING LOCAL BODY AND DETAIL SHOPS

Unless the overspray is light and/or easy to remove, local body and detail shops may use machines or abrasives which lead to expensive repainting.

TELLING CLAIMANTS TO GET THREE ESTIMATES

One or more of the three is certain to ruin all chances of saving money and send the claimant toward expensive repainting.

BEING A “LISTENING EAR” FOR CLAIMANTS WHO ARE NOT SATISFIED WITH THE IDEA OF OVERSPRAY REMOVAL BY POLISHING

A dominant factor with people involved in insurance claims is GAIN. A claimant should be informed of the limitations of his/her entitlement. Providing an open-ended condition sparks his gain and greed buttons.

USING “APPRAISERS” MISTAKENLY BEFORE THE REPAIR

This, as a general rule, leads to problems because independent appraisers seem not to “fit” overspray claims. Most independent appraisers perform effectively, probably because they have to see the loss through to the end. However, appraisers usually just attach a dollar figure based on their experience with local repairers. What good is a settlement draft in the hands of the “claimant” if he cannot spend it on an effective repair?

USING “APPRAISERS” MISTAKENLY AFTER THE REPAIR
Inspections for complaints of workmanship should be made by the repairer in the presence of a company representative if preferred. A “foreign” appraiser has neither expertise nor familiarity with the damage and claims in question, plus he has an abiding wish to justify his role of appraiser, almost always by validating some portion of the claimant’s complaint purely out of wish to compromise. The result of this “know-how” is ill-spent money, neither the insurer nor the repairer to satisfy the compromised complaint, often unfairly at the expense of the repairer, but almost always at added unreasonable expense to the insurer.

LITTLE LOSSES OR BIG LOSSES, SIMPLE DAMAGES OR DIFFICULT DAMAGES…WE SERVE YOUR COMPANY EFFICIENTLY, ANYWHERE IN THE U.S.A.