Porady ubezpieczeniowe

Jak sprawnie dostać odszkodowanie po kolizji – pomóż sobie i firmie.

Sprawna, rzetelna i przyjazna likwidacja szkody w mieniu to cel nie tylko klienta korzystającego z ubezpieczeń. W rzeczywistości to także cel ubezpieczyciela, a także cel społeczny. Aviva przygotowała kilka prostych porad dla klientów – jak pomóc sobie i ubezpieczycielowi w osiągnięciu wspólnego celu.

  1. Wykonaj telefonem i prześlij zdjęcia z miejsca kolizji, dokumentujące uszkodzenia pojazdów i ewentualnie innych przedmiotów. Jeśli masz zamontowaną kamerę samochodową, udostępnij nam nagranie wideo z przebiegu kolizji. Zwróć uwagę, czy w rejonie miejsca kolizji jest monitoring.
  2. Nie podpisuj oświadczeń, wobec których masz wątpliwości – zwłaszcza w stresującej sytuacji po kolizji. W szczególności nie poświadczaj nieprawdy.
  3. W mailach i pismach do ubezpieczyciela umieszczaj numer swojego telefonu.
  4. Powiadom nas o wcześniejszych uszkodzeniach pojazdu i innych zgłaszanych przedmiotów, niezwiązanych z bieżącą kolizją.
  5. Jeśli kupujesz pojazd używany z zagranicy, przed jego rejestracją w Polsce wykonaj kopie (lub skany) dokumentów pochodzenia oraz zrób zdjęcia obrazujące jego stan techniczny.
  6. Uszkodzenia naprawiaj w serwisie poleconym przez ubezpieczyciela, co zapewni szybkie oględziny i najem samochodu zastępczego.
  7. Sprawdź, czy Twój ubezpieczyciel oferuje bezpośrednią likwidację szkód (BLS). Jeśli tak, możesz zgłosić szkodę i dostać odszkodowanie od swojego ubezpieczyciela. To bardziej komfortowe rozwiązanie.

Śmieszne? Może trochę. Czy robimy te wszystkie rzeczy? Wątpię. Stres potrafi zastopować wszystkie procesy myślowe. Postarajmy się zachować spokój i podejdźmy do tego profesjonalnie. Sam kiedyś byłem uczestnikiem wypadku. Samochód -> skuter -> samochód. Nie moja wina (wiem, że każdy tak mówi ☺). Tylko spokój nas wtedy uratował. Wszystkie szkody pokryte zostały z ubezpieczenia, a nikomu nic się nie stało.

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