Motorcycle expertise after an accident
Content
Motorcycle expertise after an accident this is a responsible and obligatory step. In the event of a claim, the insurer needs to assess the actual damage to your vehicle. And this is in order to accurately determine the amount that he must pay you. Then he will call an expert.
What is expertise? Who is doing this? What does it consist of? Can we dispute the results of the examination? Find out everything you need to know about your motorcycle experience after a crash.
Motorcycle expertise after an accident: what is it?
An examination is an examination carried out in the event of an accident. Implemented insurance expert, that is, a bailiff with a diploma and training in insurance, who must also be a motorcycle specialist. And this is in order to be able to draw up an expert opinion, which states in detail:
- Accident progress
- Damage suffered
- Accountability responsibility
- Possible repair technique
- Vehicle immobilization period
Motorcycle expertise after an accident: for what purpose?
The examination is carried out, first of all, check the declarations of the insured and oppose them with reality. The role of the expert is to determine exactly whether the accident actually occurred in accordance with the statement of the person concerned. And his review to indicate who should be held responsible for the damage caused. The expertise is also aimed at determine the amount of compensation to which the insured is entitled.
It is true that the guarantees that you are going to use are specified in advance and depend entirely on the amount of the insurance premium that you pay. However, this contribution will not determine the final amount of the indemnity, but the cost of the damage suffered, which the motorcycle insurance expert will indicate in his report. As you can see, its role in determining the care you will benefit from is very important.
Expertise after an accident: what does it consist of?
Examination of a motorcycle after an accident is to determine "Replacement cost" motorcycle. This should usually be done in the presence of the insured and possibly a mechanic.
Criteria taken into account in the examination
To determine the amount of compensation, the expert must first determine the real value of the motorcycle before the accident. For this, the following will be taken into account:
- General condition of the motorcycle
- Motorcycle year and mileage
- Average selling price of a motorcycle in the local market
In order for your vehicle to be revised upwards, preferably at the highest price on the market, be sure to provide documents proving its general good condition at the time of assessment, such as invoices confirming maintenance and repairs carried out by example.
Possible conclusions of the motorcycle examination after an accident
After the inspection is completed, the motorcycle insurance expert will, depending on the condition of your motorcycle, decide on a possible repair method and, accordingly, on the insurance coverage that you will use. There are 2 cases:
- Motorcycle repair... In this case, the insurer will cover all repair costs, provided that they do not exceed the real value of the vehicle.
- The motorcycle cannot be repaired... This can mean two things: either it is technically unrepairable, or it is badly damaged, and the cost of repairs can exceed the actual cost of the car. In both cases, an expert will recommend a full return of the property to its real value just before the accident.
Can we challenge the expert opinion after the accident?
If you believe that the expert opinion is not true, or you believe that the proposed amount of compensation does not correspond to the level of damage caused, you can challenge the expert's opinion in motorcycle insurance. During this time, you must hire another expert to make a second opinion.
But be careful, this time the costs will be on you. Then two scenarios may arise: two experts come to the same conclusion. Then you will have to comply with the report drawn up in this way. The two experts came to two different conclusions. Then it is necessary to hire a third expert who will conduct a new examination, and everyone will obey their opinion.
