Insurance expert is impartial expert in damage assessment and valuation.
Duties of Expert
- Damage assessment
- Determining damage cost
- Cause investigation
- Report preparation
Impartiality Principle
- For both the insurer and the insured fair
- Carries professional responsibility
- SEDDK registry
Expert Report
- Detail of the damage
- Explanation of reason
- Repair cost
- Pertotal evaluation
- Quality of official document
Independent Expert
- Choosed by the parties expert
- Provides balance against the insurer's report
- May also be a court expert
Supreme Court 11. HD
11. HD accepts that the insurance adjuster should provide "impartial expert opinion" and that an independent expert should be consulted in reports that are biased in favor of the insurer.
Practical Recommendations
- Follow the expert report process
- If in doubt, ask for an independent expert
- Make sure to copy the report
Insurance law lawyer recommended.