Kahjukäsitlust

Kahjukäsitlust 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 investigates the claim to determine its validity and the extent of the damage or loss. This investigation typically involves gathering documentation, assessing the damage, and potentially interviewing witnesses.

Once the claim is validated, the kahjukäsitlust process moves to the assessment and settlement phase. Adjusters evaluate the cost of repair or replacement, taking into account the terms and conditions of the insurance policy. If the claim is approved, the insurer will offer a settlement amount to compensate the policyholder for their loss. This settlement can be paid directly to the policyholder or to a third party, such as a repair shop.

If there are disputes regarding the claim's validity or the settlement amount, the kahjukäsitlust process may involve further negotiation, mediation, or even legal action. Effective kahjukäsitlust aims to be fair, efficient, and transparent, ensuring that policyholders receive the compensation they are entitled to in a timely manner. The goal is to restore the policyholder to their pre-loss condition as much as possible.