Kárrendezés

Kárrendezés refers to the process of assessing and settling insurance claims. It is a crucial part of the insurance industry, ensuring that policyholders receive fair compensation for covered losses. The term originates from Hungarian and broadly translates to "damage settlement" or "loss adjustment."

The kárrendezés process typically begins when an insured event occurs and the policyholder files a claim. An insurance adjuster, often referred to as a kárrendező, is then assigned to investigate the claim. This investigation involves verifying the details of the loss, determining the cause, and assessing the extent of the damage. The adjuster will review policy terms and conditions to ascertain coverage.

Following the investigation, the adjuster estimates the value of the loss. This valuation is based on factors such as repair costs, replacement value, and any applicable deductibles. If the claim is deemed valid and covered by the policy, the insurance company will then proceed with the payment of the compensation. In cases where the insured and the insurer disagree on the claim's validity or the settlement amount, further negotiation or arbitration may be necessary. The primary goal of kárrendezés is to efficiently and equitably resolve insurance claims, restoring the policyholder to their pre-loss financial position as much as the policy allows.