Kahjukäsitlus

Kahjukäsitlus refers to the process of managing and resolving insurance claims. It begins when a policyholder reports an incident that may be covered by their insurance policy. The insurance company then assigns a claims adjuster to investigate the circumstances of the loss, determine liability, and assess the extent of the damage.

The adjuster gathers evidence, which may include police reports, witness statements, repair estimates, and medical records. They then compare this information against the terms and conditions of the insurance policy to decide whether the claim is valid and what amount of compensation is due.

If the claim is approved, the insurance company will typically pay for repairs, replacement of damaged property, or medical expenses, according to the policy limits. In cases of disputes or complex claims, the process can involve further negotiation, mediation, or even legal proceedings. The ultimate goal of kahjukäsitlus is to fairly and efficiently settle claims in accordance with the insurance contract.