Request a second expert report

When a traffic accident occurs, we want to be sure we have legal and financial coverage to cover the expenses. The insurance company must cover the material damages according to the clauses in our insurance policy. But what if the amount determined by the insurer doesn't seem fair? Then we should request a second appraisal .

The second assessment of the material damages

To fulfill its obligations in the event of a claim, the insurer needs to determine the economic value of the loss. To do this, a company expert will analyze the case and submit an estimate for the property damage. However, it's important to remember that this expert works for the insurer, not the client. Therefore, they will do everything possible to reduce the amount claimed. While this doesn't always happen, it can still result in a loss for the injured party.

In case of disagreement, we have the right to request a second appraisal , for which we will choose an independent appraiser who will prepare their own estimate . The cost of this second appraisal will be borne by the insurer or the client, as indicated in the policy.

The total loss

Another instance where we might disagree is when the insurance company declares the vehicle a total loss. This occurs if, in the appraiser's opinion, the repair costs exceed the vehicle's value. In this case, the so-called market value is applied, which is the vehicle's selling price at the time of the accident. This value is necessarily lower, and we shouldn't accept it.

The solution: expert lawyers

In both cases, the inexperienced insured party will face the insurance company. Handling the entire process of the second expert assessment, negotiation, and claim (whether through legal or extrajudicial means) is a task that should be left to professionals. Our lawyer in Barcelona specializes in accident cases and can handle your case; contact us for a free consultation.