auto policy quotes
The new scale of accidents which comes into force on January 2016 introduces several changes.Including new tests to receive compensation for minor injury will be required. In addition, you will be less substantial in benefits of more serious injuries, which will receive larger amounts.
However, even though the parties have agreed modifications, these have not been well accepted by the associations of victims of traffic accidents.
Despite the unusual consensus among the parties involved and the different political forces (approval had no votes against), new tests required in demonstrating lesions that must be compensated financially have raised hackles among victims' associations.
In this regard, the newspaper Cinco Dias reflects the opinion of Francisco Canes, president of the State Association of Accident Victims Day, saying that "it is hard to say whether we are satisfied or not with the arrival of the new scale." According to Canes, " negotiation has been thinking about the most serious victims, such as cases where there are large injured or deceased, whose position itself to improve substantially with the new standard. Still, we have to spread the word because those involved in minor accidents are in a worse predicament. "
biomechanical reconstruction to combat fraud
With the modifications will be necessary to perform a biomechanical reconstruction in accidents where the damage is difficult to see at a glance. Thus, a certified expert must do research to analyze how the crash occurred to see if an injury is possible or not.
From the Spanish Union of Insurance and Reinsurance UNESPA, they say that this is reasonable to stop fraud in injuries that are not easy to see, as is the case of whiplash test.
alleged victims guilty
According to the UNESPA, in 2014 more than 240,000 cases of auto insurance fraud worth 755 million euros were detected. But this amount is not just a scam to insurers, but the insured themselves, since the very nature of certain causes we all are affected.
Such practices amply justify that look very closely all claims. The problem with the new rules, in this case, is that, as Francisco Canes argues, "it appears that the victim is a presumption of guilt, and should not be." Canes also state that it is understood that the accident compensation mild has not increased in amount, but its recovery is difficult with the need for further testing.
In this sense, the DIA association fears that victims of less serious accidents remain unprotected since the decriminalization of such events means more expenses in case of conflict in the absence of legal coverage of the state. Thus, says Canes, people probably prefer not to collect bonuses to avoid trouble.
The new scale will be more expensive for insurers
Nevertheless, it is predicted that although the assured can save with the fall of fraud for minor injuries generally changes cause an increase of 16% due to increased compensation in case of death.This will cause, according to industry sources cited by Cinco Dias, which policies are between 3 and 5 percent more expensive during the first months of the year.
0 comments:
Post a Comment