Damage estimates, the causes of the claim, the amount of repairs… Your insurance will mandate the auto expert to evaluate the claims. Its findings will have an impact on the amount of compensation that you will receive. What is the role of an auto expert? What is the cost? How does the expertise take place? What to do if there is disagreement? Answers
What is a car insurance specialist?
An auto insurance expert is someone who can report damage to an automobile. It can also be called in transactions with hidden defects. The insurance company initially mandated him.
Its mission is diverse: to assess the damage and identify stolen goods, estimate damages, calculate the cost of repairs, and estimate the cause of the claim. The auto expert is an expert in his field. However, he also has strong technical and legal skills in auto products and insurance law.
His expertise will be the basis upon which the insurer will base its decision on the amount of compensation due. If necessary, he can intervene in the auto insurance contract to determine the vehicle’s value.
He usually practices his profession as a self employed person in a business. He must be neutral and impartial in his comments. It is important to remember that the insurer mandates the first insurance expert to step in. It serves both an economic and security purpose. The automotive expert must warn the insured about any potential dangers associated with his vehicle (defect in conformity, technical impairment etc.).
Who pays the auto expert?
Your insurance company informs that you have filed a claim on your vehicle and that it would like to conduct an automotive expert. You may therefore be able to ask how much an auto expert will cost.
- The cost of an expert appointed by your insurer to assist you is negligible.
- If you request your second opinion and ask for the intervention of an expert, you will need to pay his fees. The expert fee guarantee clause may be included in your contract. This clause may not cover 100% of expert fees, but it could allow you to use his services for a lower price.
- The fees of experts from third-party expertise are split between the insured and the insurer.
You can use your own expert to help you get better final compensation. You can choose to arbitrate between the costs and the benefits it offers.
What does it cost to hire a car expert?
The cost of an auto expert will vary depending on the firm and their strategy. To respond to as many requests as possible from insurance companies and insured persons, they offer different formulas. These range from simple verification of vehicle administrative conformity to mechanical guarantee covering critical parts.
On average, an automotive expertise costs between 70 and 400 €.
As we’ve seen, the price you pay to call an expert of your choosing depends on the “expert fee guarantee” clause and its limits. You can cancel your auto insurance contract if you are not satisfied with the terms of your contract or if you have a dispute with your insurer. Hamon law allows you to terminate your car insurance policy after one year without having to justify.
We advise you to make a plan to sign an upstream contract for auto insurance, as it is mandatory.
To do this, you need to compare the current offers in order to find the best contract at the best price. Reassure Me has created a comparator that allows you to compare the offers from multiple auto insurance companies. It is anonymous and free.
An expert can also be consulted before you buy a vehicle. This is to get its registration history, claims, and other information. The pricing is around € 50.
How do you get auto insurance expertise?
First, it is important to know that expert witness are only required in certain situations. This includes after a major natural disaster or when the insured refuses to accept compensation offers from his insurer. In other cases, it is up to the insurance company to decide whether or not an expert should be called. After a disaster, you will not be routinely confronted by a car expert.
These are the steps of the expertise procedure in case this happens:
- To determine the cause of the accident and to determine the extent of damage, the auto expert should be present at the scene. It is possible that the expert doesn’t move and reports only from the photo base.
- The appraisal report must be drafted. It must contain all the information necessary to offer compensation for the catastrophe. This appraisal report must include the following: the circumstances of claim, the property damaged during claim, an assessment and conditions for restoration of vehicle.
You may be asked for supporting documents by the expert to help him assess the damage (gray card) and to determine the statements regarding the accident (status). The expert must also certify that the vehicle is safe for return to circulation in the case of the most serious claims. Your insurance company will provide you with an appraisal report and an offer to compensate you for the loss. You can accept it or decline it.
The procedure will depend on the vehicle’s condition.
Your insurer must offer you compensation if the vehicle’s value is less than the cost of repairs. We also discuss the possibility of buying the vehicle. You can accept or refuse to make repairs.
The law doesn’t set a deadline for the expert to intervene. The insurer can decide when and where. For small claims, the auto specialist can be called within 15 days. For more serious cases, however, the waiting period is longer. There is a 2-year limitation on the intervention of experts.
What should you do if there is disagreement with the auto expert’s report?
You are the victim to a catastrophe that results in the arrival of a car expert. You disagree with the expert’s account of the accident and the damage. Your insurer will not pay you the right amount of compensation. You have a solution in this type of dispute: Call the auto expert of choice. This is second opinion. The new expert will take over the case starting at 0: assess the damage, stolen or damaged property, the circumstances of accident , and then deliver his own report.
If the two parties cannot agree, a third expertise may be launched. A third expert will be employed by the tribunal de grande instance, or the commercial court. If your case is still being debated, a third-expertise may be launched. This will use a third expert appointed by the tribunal de grande instance or the commercial court.
Experts denounce the pressure insurers put on policyholders to lower the average claim cost in order to compensate them. Be aware of the following conclusions
Where can I find the list approved automotive experts?
You can access the approved automotive experts list on the road safety website. This is a reference tool that will help you avoid any mishaps. There are many situations in which an automotive expert may be needed, whether it is for a claim or to assist with the purchase of a vehicle (adviser position). It is important that you choose the right professional. His expertise will convince or deny you of the vehicle. If you have a second opinion, your insurer may be able support you.
We recommend that you choose an approved automotive expert. It is a professional who has a state diploma in the area, as well an accreditation number issued by the Ministry of the Interior that is renewed each year by mandatory training. According to law, it is “in principle.”
How do you become an auto insurance expert?
This is not a fictitious title: The automotive expert has solid knowledge about motor vehicles, as well as legal and technical skills. To be able to exercise this profession, one must be able and willing to justify obtaining the Diploma of Automobile Expert(DEA) issued by the Ministry of Higher Education and Research. It must also be on the National List of Automobile Experts, maintained and maintained by Ministry of Transport.
To be eligible to apply for the DEA you must have graduated from one of the following courses.
- BTS MCI (internal combustion engines), BTS Agroequipment (operation of motor cars), BTS EVM [operation of motor vehicles] or BTS MAVA (“maintenance and after-sales vehicles”)
- DUT mechanical engineering auto option
- Diploma of Engineer for ESTACA automotive option
- ISAT Engineering Diploma
Once you have this diploma in your pocket, you will need 2 years of automotive expertise. You will be an expert trainee during those two years. This training can be done with any automotive expert you choose (cabinet, independent …),) as long as he’s a graduate. You will need to pass the final tests at the DEA after these two years.
If you don’t have one of these degrees, but want to be an automotive expert, If you have at most one year of experience in the area of automotive expertise, you may be eligible for the Validation of the Acquis of Experience.