Claims processing
We explain all the steps we take to process your claim with the insurance company.
Enter the ERSM claim reference number and press Enter:
What you should know...
1
About us
As a brokerage, we manage the claim with the company for you.
2
About the companies
The insurers are the ones who evaluate the claim and hire the expert.
3
About the duration
We are subject to the times and speed of the companies.
4
About the incidents
In the event of any incident, we are always on the client's side.
This is how we process your claim
with the insurance company
Paso 1Analysis
The client informs us that a loss or accident has occurred. [You can report the claim online] When we have all the information, we proceed to assess whether it is covered by the policy contracted.
Paso 2Opening of the claim
After knowing the causes and consequences of the claim and verifying that it is covered by the policy, we proceed to send the information to the insurance company to open it. It is important that the client send us all the information, so that the company can incorporate all the data into the file so that the processing is faster.Paso 3Valuation
This step is the longest and where the client must be patient since the insurance company needs time to assess the damages and the causes of the claim. From ERSM we maintain regular contact with the company to follow the evolution of the claim. When there is a novelty, we inform the client immediately.Paso 4Expert management
In many cases, the insurance company will send an expert to assess the consequences of the claim. This expert, after analyzing and investigating the accident, will write a report based on which the company will decide whether or not to accept the claim. And, if so, what economic amounts it proposes as compensation to the insured.Paso 5Company review
The insurance company, once the claim has been assessed, will decide whether to compensate the insured and close the file, or refuse to pay the compensation. At this point, as in each step of the processing, ERSM will defend the client's interests before the company.Paso 6Final resolution
If the insurance company accepts the claim and the client agrees, it will proceed to make the minimum payment within 40 days.
If the client does not agree with the assessment of the compensation, we will help him to claim extrajudicially or judicially his disagreement. Thus, the management of the claim will remain open until its final resolution.
Paso 7Closure of the claim
Once the company has made the agreed payment to the insured, it will proceed to close the claim. The processing of the claim by ERSM will be closed once the compensation has been agreed.