Picture the scenario: you have a car accident, someone bumps into you. You exchange details and discover you both share the same insurance company. Perfect, it’ll all be dealt with internally and rather swiftly…….well, that’s what you think would happen in a rational world.
However it seems this company have a different view. A colleague of mine is going through a bit of a time right now with the exact same scenario. He deals with 5 different companies now, chasing down information about the state of the insurance claim.
: The Car Hire company are notified by the Legal Team who then notify another third party to arrange the hire vehicle
: The Legal Team don’t deal with recouping the costs of the car hire against the other person’s insurance policy (remember, it’s the same insurer !)
: A third party solicitor deals with recouping the costs of the car hire, but are not involved in dealing with claims of personal injury
: The Claims Department coordinate repairs to the damaged vehicle but he liaises directly with the garage who give him different information
: The Claims Department deal with personal injury claims
Are you following this yet ?
Then there’s the fact that not one person spoken to in the insurance company actually understands the end to end process entirely, the poor guy is repeating messages and information several times to different teams and third parties who deny they are responsible for receiving instructions.
Not only does it look like outsourcing gone haywire but I seriously doubt they actually practice any form of process discipline, or if they have, they’ve never catered precisely for the scenario of a claim handling process being conducted internally in the same company.
If you’re out there and listening, perhaps Co-Op Insurance UK would like to get in touch….
Ps: is this an excellent example of “Clam Handling” ?
(see previous blog post “How many shirts….” if you don’t get the in joke)