Choose your type of operation. We show the reduction patterns that recur in your sector, the exposure they create, and how a single claims channel limits it.
High event volume, varied vehicles and different insurers. Most of the loss is not in a single file but in reductions that repeat across hundreds of events.Heavy vehicles, cargo and passengers. Disputes concern liability, the value of the cargo and sometimes whether the event falls within the commercial cover at all.Disputes over parts price lists, contracted garages and recurring payment reductions. Here the difference between a single file and an insurer's practice is substantial.Building, equipment and stock insurance. In a major event the dispute is usually about the extent of the damage, the value of the stock and business interruption losses.
A wear-and-tear deduction, a parts price list or a garage difference. In a single file it looks negligible. Across hundreds of events it is a budget line.
The action requiredWe map the reduction pattern across events and set it against the policy wording, instead of arguing file by file.
Downtime days, a replacement vehicle and lost output are not part of the assessment, and so they are not part of the claim either.
The action requiredWe document the downtime period and the actual loss, and include them in the claim as a separate damage item.
Third-party claims and open files that close without follow-up, because nobody holds the full picture.
The action requiredOne intake channel for every event, with a central status that shows what is open, what is stuck and what is closed.
A short scoping call and a map of your existing insurance portfolio. Your agent stays in place. Only who manages the disputes changes.
Schedule a callA review of the policies, the arrangements and the current procedure.
A single intake point for every event, with a fixed list of documents.
Dealing with the insurer in every file.
A consolidated status: files, amounts and trends.
Compiling the records from all the events made it possible to run one orderly move with the insurer instead of dozens of separate requests.The reference to a policy exclusion did not fit the actual circumstances of the haulage, and the route records changed the picture.A systematic comparison between the work done and the actual payment revealed a recurring reduction pattern.The initial stock valuation did not reflect the actual inventory. Orderly supporting documents changed the scope of the benefits under discussion.
In business files the loss builds up from the same reductions repeating across many events. These are the points checked routinely in every file that enters the channel.
A blanket deduction for wear and tear. We check whether it is grounded in the policy and proportionate to the part that was replaced.
A gap between the price list the insurer uses and the actual cost of the part, including original and alternative parts.
A reduction on the grounds that the repair was done outside the arrangement. We check the right to choose and the terms of the arrangement in the policy.
Operational damage that is not part of the assessment. It requires records of the downtime period and of the actual loss.
Files that open and close without follow-up. Bringing them together allows one orderly move instead of individual requests.
A claim for reimbursement from the party responsible for the damage. In fleet files this is a significant source of recovery that is sometimes left unused.
The office is in Tel Aviv and manages claims for companies and organizations from every region, with all insurers and in every court district.
Starting does not require an in-person meeting. A short call and a map of your existing insurance portfolio are enough to set a procedure.
Leonardo da Vinci 14, Tel Aviv · 077-444-7050
Three representative cases from our ongoing dealings with insurers. The descriptions are general and do not identify any client.
The situation
Each file on its own looked reasonable. Only when the events were combined did it become clear that the same deduction repeated across hundreds of claims.
What was done
Mapping the pattern against the policy wording allowed one orderly move instead of dozens of separate requests.
The situation
The denial relied on an exclusion in the commercial policy that did not fit the actual circumstances of the haulage.
What was done
The bills of lading and route records were set against the exclusion, and the file was sent back for a review on the merits.
The situation
Payments arrived according to the insurer's price list, with a consistent gap against the work actually done.
What was done
A systematic comparison between job cards and payments exposed the gap and put it up for discussion.
The descriptions are general and do not identify any file or client. The outcome of one case does not indicate the outcome of another.
No. The agent handles your insurance portfolio and renewals. We step in when there is a dispute over cover, the extent of the damage or the amount paid.
Through one reporting channel and a fixed list of documents for every event, with consolidated periodic status reports.
It depends on what was signed and on the deadlines. Files closed with a release and discharge form are more limited, but they are worth checking.
Usually yes, subject to the policy terms. The driver's fault does not automatically exclude cover.
We can also manage the defense side with the insurer, alongside your own claims.
Usually two to three weeks, from mapping the insurance portfolio to an active reporting procedure.
Yes. The price list is not the final word, and the difference is checked against the work actually done.
It changes how the claim is handled, but it does not take away the right to be paid for what is covered.
Yes. Combining similar events allows one orderly move instead of dozens of requests.
The loss of income during the period in which the business is not operating, subject to the relevant policy annex.
The claim is checked against the sums insured that were set and the proposal form that was signed.
Usually yes. A counter-assessment is a basis for an orderly discussion about the extent of the damage.
A short call, a map of your existing insurance portfolio, and an agreed working procedure.
Schedule a call