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Two parties, one insurer
not always good news…

An accident has just happened. While filling in the accident report form, both parties involved realise they are insured with the same insurer. The first instinct is often to think this will simplify matters. The reality, however, is a lot more nuanced.

When two parties are insured with the same insurer, a conflict of interest can arise: that insurer must represent the interests of both clients at the same time, which does not necessarily work in favour of either party.

What problems
can this cause?

1.
1.

The insurer has an interest in keeping the total claim payout as low as possible, since a higher payout for one party also means a higher cost for the insurer itself.

2.
2.

The other party could turn out to be your own insurer: it must then take both parties into account simultaneously, giving the policyholder no guarantee that their interests come first.

3.
3.

If the policyholder disagrees with how the claim is handled, they must contest the decision themselves, without the support of an independent party.

THE SOLUTION

It is therefore advisable to take out legal protection cover with an independent insurer:

  • It has no ties whatsoever to the other party, so there is no conflict of interest.
  • The assistance is dedicated entirely and exclusively to the policyholder.
  • The policyholder can choose their own lawyer, providing an additional guarantee that the claim will be handled independently and objectively.

Would you like the certainty of being fully protected legally in the event of a claim, regardless of which insurer the other party is with?
Please feel free to contact your AlliA representative.