Insurance companies - to attention for ARN
ARN gave the customer the right in only 13 percent of insurance cases in 2010. The industry is well to clear off their own blunder through internal appeals - before they reach the ARN. The banking sector operates in a very similar manner, and where did the customer right in only 9 percent of the cases in 2010.
In other industries, it looks completely different. Laundry companies with the highest percentage decision to the customer's advantage. In the category got 56 percent of the complaining customers right against the company in ARN in 2010. Closely followed by residential (54 percent), textiles (49) and boat (48).
Unlike most other industries look insurers to follow ARN's recommendation carefully. In 98 percent of cases in 2010 was insurance on ARN's decision. For bank questions minster surgery were compliance, 92 percent and 87 percent for furniture. The textile industry was the worst to follow ARN's recommendations: in only 59 percent of cases.
According minster surgery to Ewa Åhlund it will be in the majority of cases, no change of Folksam's decision. It takes the company as proof that the claim settlement works well. Ewa Åhlund says Folksam has relatively few complaints in ARN and that it may also reflect that claims adjusters are good at explaining their decisions for customers. Sometimes the customer is just not satisfied minster surgery with any of the condition, such as insurance cover.
- Our goal is that the cases never end up in ARN. We try to solve them before. When we make decisions we do so with the conviction that we have done right. But if ARN comes up with something else, we respect it, says communications manager Cina Seidefors.
- It has become so in the industry. I do not know why, there is no industry agreement or so. But it hangs well with social responsibility.
- It is important that customers have the security. Sometimes it is not indemnification black or white, it's good to ARN is available as a third party. There are also very few cases where ARN's decision goes against us.
It happens, even if it's not very often that If is standing by its position in ARN. In case it happens, it can according to the If be because it has come to new circumstances, which lead to a different conclusion.
- Insurers have generally a good self-regulation. Once a case reaches us it has usually already been reviewed several times in the company. And when we send cases to the insurance companies so that they can respond to them, then it's not uncommon that companies choose to self take up the issue again, says Cecilia Blomqvist.
- There are insurance companies that consists of several separate companies and who choose to collect the files. It is a smart solution, it means that the person minster surgery involved in the cases have an eye on the company's practices. minster surgery
Cecilia Blomqvist out that there are several types of cases that ARN never try. As medical assessments, cases already in court, or if the customer has a right to subscribe for or maintain an insurance policy. Neither questions of negligence are handled by ARN.
When decisions are made by the board involved a chairman, often a person who professionally are judges. There is also a draftsman, two members representing minster surgery consumers and two from the insurance industry.
- The balance will ensure competence and impartiality, and I think that we meet, says Thomas Sevebrant insurance lawyer at If. He serves on the Board as a representative of Swedish insurance. He participates in panel two-three times in six months and are involved in making decisions about insurance matters which do not concern the If. At each meeting, the Board's position to about 15 cases.
- If the case is very simple, the rapporteur proposes how we decide and we say, in short, if it is reasonable or not. But other cases are difficult and the discussions can sometimes be very long.
- When comparing tradesmen in various industries, it is the banks and insurance companies very professional. There's really nothing that can be done better. Insurance minster surgery companies are large organizations, well-structured to take care of warranty claims. In other industries, many small businesses, it will be very heterogeneous.
According to Bertil Kallner is travel insurance contract, home insurance and car insurance of the insurance issues are prevalent at ARN. Most common is that the assessments is about how parties have acted. But it is impossible to say that a particular type of case is harder or easier than others to solve. Nor is it related to how much money is involved.
- The level of difficulty is not in amount. It may be a case where someone got rid of a purse and we'll decide if we had it under surveillance when it was hanging on the back of a chair. It can be a difficult position. minster surgery While responsibility in a large water damage can be very easy.
- It may happen that one member, for example, says "that I want to know more about." Then we can ask for more
ARN gave the customer the right in only 13 percent of insurance cases in 2010. The industry is well to clear off their own blunder through internal appeals - before they reach the ARN. The banking sector operates in a very similar manner, and where did the customer right in only 9 percent of the cases in 2010.
In other industries, it looks completely different. Laundry companies with the highest percentage decision to the customer's advantage. In the category got 56 percent of the complaining customers right against the company in ARN in 2010. Closely followed by residential (54 percent), textiles (49) and boat (48).
Unlike most other industries look insurers to follow ARN's recommendation carefully. In 98 percent of cases in 2010 was insurance on ARN's decision. For bank questions minster surgery were compliance, 92 percent and 87 percent for furniture. The textile industry was the worst to follow ARN's recommendations: in only 59 percent of cases.
According minster surgery to Ewa Åhlund it will be in the majority of cases, no change of Folksam's decision. It takes the company as proof that the claim settlement works well. Ewa Åhlund says Folksam has relatively few complaints in ARN and that it may also reflect that claims adjusters are good at explaining their decisions for customers. Sometimes the customer is just not satisfied minster surgery with any of the condition, such as insurance cover.
- Our goal is that the cases never end up in ARN. We try to solve them before. When we make decisions we do so with the conviction that we have done right. But if ARN comes up with something else, we respect it, says communications manager Cina Seidefors.
- It has become so in the industry. I do not know why, there is no industry agreement or so. But it hangs well with social responsibility.
- It is important that customers have the security. Sometimes it is not indemnification black or white, it's good to ARN is available as a third party. There are also very few cases where ARN's decision goes against us.
It happens, even if it's not very often that If is standing by its position in ARN. In case it happens, it can according to the If be because it has come to new circumstances, which lead to a different conclusion.
- Insurers have generally a good self-regulation. Once a case reaches us it has usually already been reviewed several times in the company. And when we send cases to the insurance companies so that they can respond to them, then it's not uncommon that companies choose to self take up the issue again, says Cecilia Blomqvist.
- There are insurance companies that consists of several separate companies and who choose to collect the files. It is a smart solution, it means that the person minster surgery involved in the cases have an eye on the company's practices. minster surgery
Cecilia Blomqvist out that there are several types of cases that ARN never try. As medical assessments, cases already in court, or if the customer has a right to subscribe for or maintain an insurance policy. Neither questions of negligence are handled by ARN.
When decisions are made by the board involved a chairman, often a person who professionally are judges. There is also a draftsman, two members representing minster surgery consumers and two from the insurance industry.
- The balance will ensure competence and impartiality, and I think that we meet, says Thomas Sevebrant insurance lawyer at If. He serves on the Board as a representative of Swedish insurance. He participates in panel two-three times in six months and are involved in making decisions about insurance matters which do not concern the If. At each meeting, the Board's position to about 15 cases.
- If the case is very simple, the rapporteur proposes how we decide and we say, in short, if it is reasonable or not. But other cases are difficult and the discussions can sometimes be very long.
- When comparing tradesmen in various industries, it is the banks and insurance companies very professional. There's really nothing that can be done better. Insurance minster surgery companies are large organizations, well-structured to take care of warranty claims. In other industries, many small businesses, it will be very heterogeneous.
According to Bertil Kallner is travel insurance contract, home insurance and car insurance of the insurance issues are prevalent at ARN. Most common is that the assessments is about how parties have acted. But it is impossible to say that a particular type of case is harder or easier than others to solve. Nor is it related to how much money is involved.
- The level of difficulty is not in amount. It may be a case where someone got rid of a purse and we'll decide if we had it under surveillance when it was hanging on the back of a chair. It can be a difficult position. minster surgery While responsibility in a large water damage can be very easy.
- It may happen that one member, for example, says "that I want to know more about." Then we can ask for more
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