Claims management is one of the most time-consuming tasks in a vehicle fleet. Many administrative and communication tasks must be taken into account in order to process claims correctly. Claims settlement can therefore take a lot of time and money, regardless of whether the damage was caused by your own fault or the fault of a third party. Fleet software helps you to process damage in a time and cost-saving manner. We show you what fleet claims management actually means and what you should bear in mind as a fleet manager.
What is claims management?
Efficient claims management includes all measures for handling damage to the vehicles in the fleet. This includes communicating with insurance companies and workshops, organizing repairs and providing drivers with a replacement vehicle.
The documentation of damage and repairs are also essential tasks for fleet management. Damage management in the fleet begins with the prevention of accidents and vehicle damage in order to minimize the risk of accidents in the long term.
- Green insurance card: The green insurance serves as proof of insurance when driving abroad.
- Loss of use: If a company car cannot be used temporarily after an accident, this is referred to as loss of use.
- No-claims class: The no-claims class – also known as the SF class – shows how many years the insured person has driven accident-free.
- Loss ratio: The loss ratio is a calculation for insurance companies. The costs of claims are set in relation to the premium payments. A high claims ratio leads to a higher insurance premium.
- Accident report: Some accidents require an accident report, which is prepared by a motor vehicle expert.
- Excess: A certain amount that the company must pay itself in the event of a claim before the insurance will cover it.
- Damage history: The record of damage that has occurred to the vehicles in the fleet over time.
This is part of claims management in the vehicle fleet
The tasks of a fleet manager in the area of claims management are very complex. Damage to vehicles cannot always be prevented. If damage has occurred, action should be taken immediately . be Only well-structured processing can contribute to this, the operations as little as possible and avoid unnecessary costs.
We have summarized below what you as a fleet manager should consider for successful claims management:
Loss prevention
Damage management begins with prevention. To keep costs as low as possible, the condition of the vehicles should therefore be checked regularly and preventive measures implemented. These include regular vehicle maintenance and inspections. Careful inspection of the vehicles before and after each journey also enables potential damage to be detected and rectified at an early stage.
Driver training is also part of damage prevention and therefore damage management. One of the most important duties of a fleet manager is therefore the annual UVV driver training. Here, employees are trained in the safe handling of vehicles and the correct behavior in the event of an accident.
Claims Settlement
Accidents should be reported immediately to ensure efficient claims management. With insurance and a suitable insurance policy, damage can be covered to a large extent and the costs remain within reasonable limits. You can find valuable tips in our article on claims settlement.
Keeping drivers mobile
In the event of damage or an accident, replacement vehicles should be available to prevent downtime and minimize disruption to operations.
Repairing the damage
Make sure that you have a reliable partner workshop. You should also make sure that cost estimates are checked and approved by qualified experts and that meaningful vehicle and damage photos are available.
Documentation in claims management
Damage to the vehicle should always be appropriately documented as part of claims management. In this way, legal problems can be avoided and liability issues can be clarified more easily. Damage and the resulting costs should then be evaluated in order to identify high cost drivers and common causes of damage.
What is digital claims management?
Digital claims management refers to the use of software solutions and IT applications to digitally handle the and optimize the process of reporting, processing and settling claims digitally. and optimize it. Claims management software not only speeds up processes and ensures greater efficiency, but also creates greater transparency and helps to minimize fleet costs. This means that vehicles are quickly ready for use again and costly breakdowns are reduced to a minimum.
The benefits of digital claims management: How does claims management software help?
Damage management software for processing damage relieves fleet managers considerably of time-consuming, manual work steps. Not only the recording and documentation of damage, but also communication with workshops, insurance companies and drivers is a real time waster in everyday fleet life. This is exactly where a digital solution comes in and offers the following advantages.
Automated processes
If damage occurs in the vehicle fleet, action must be taken particularly quickly. This is because excessive downtime damages business success and reduces efficiency. .
With a software solution, many manual steps in claims management, such as the recording, prioritization and forwarding of claims reports, are automated, automated. Claims can be reported quickly and easily and forwarded to the fleet manager. Digital claims management saves a lot of time in the fleet and helps to reduce costs.
More transparency in claims management
All documents, whether expert reports, cost estimates, invoices or photos, are collected in a collected in a digital claims file. Such a central, digital database ensures that all relevant data and information on a claim is stored in one place. This facilitates access and ensures that all parties involved really do have access to the same information. It also makes it easier to track and check the information.
Reduce costs
By automating processes and improving communication – both internally and with external parties – the processing time for claims can be significantly reduced. This in turn leads to to shorter vehicle downtimes of vehicles and therefore lower costs for the company.
Digital claims reporting
The evaluation of losses plays a central role, particularly with regard to cost control and the implementation of corresponding optimization measures. All data such as damage type, damage , damage cause and damage costs are evaluated in a report. This makes it easy to determine where damage and cost drivers are located in the fleet and what optimization measures can be taken.
Damage management software also makes it possible to track the history of vehicles, including all previous damage, repairs and maintenance work. Dies kann hilfreich sein, um identify recurring problems and causes of damage and avoid them in the future.
Digital loss prevention
Training drivers in the correct handling of vehicles and an anticipatory driving style is part of claims management. It increases safety in the fleet and can minimize the risk of damage and accidents.
With a digital solution, you can carry out UVV driver training via an e-learning course. Instead of organizing classroom training, company car drivers can complete the course flexibly online, regardless of whether they are on the road, at home or in the office. The content is already compiled and ready to go.
To ensure that no training is forgotten, fleet management and employees are notified of upcoming and overdue dates by e-mail. All inspections carried out are stored in a complete and traceable mannerso that you have the relevant proof, especially in the event of a claim.
The most important facts about claims management at a glance
Claims management is one of the most important tasks in a vehicle fleet, as it can reduce costs and ensure that fleet operations run smoothly.
With the right damage prevention, such as UVV driver training or regular vehicle inspections, potential damage can be averted in advance.
Digital claims management ensures that data is recorded quickly and claims processing is accelerated. This saves time and costs in fleet management.
Further Fleet Knowledge
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