As an insurance broker, we support our clients throughout the process of handling claims and automotive disputes. One of the key steps in this process is the intervention of an automotive expert. But who are these professionals, and what exactly is their role?
Who Are Automotive Experts?
Automotive experts are professionals specialized in assessing and analyzing vehicles in cases of accidents, disputes, or thorough technical inspections. In Belgium, only experts registered with the Institute of Automotive Experts (I.E.A.) are authorized to perform this function. This institution ensures their continuous training, independence, and competence.
When Does an Automotive Expert Intervene?
An automotive expert plays a crucial role in several situations:
- After an accident: If you are involved in an accident, your insurance company appoints an expert to assess the damage and estimate the cost of necessary repairs. Their report helps the insurer decide on compensation.
- In case of a dispute: If you disagree with the damage assessment or the compensation amount offered, an independent expert can conduct a counter-assessment.
- Before buying a used vehicle: An expert can check the vehicle’s condition, detect potential fraud or mechanical anomalies, and ensure the car is legally compliant.
- When reselling a damaged vehicle: Some severely damaged vehicles require an expert’s evaluation before being put back on the road.
Main Tasks of Automotive Experts
An expert’s work is not just about assessing damages. Their tasks are varied and essential for ensuring a fair and impartial evaluation:
- Damage analysis: After an incident, the expert examines the vehicle and determines the extent of the damage. They also assess whether repairs are economically viable or if the vehicle is a total loss.
- Repair cost estimation: The expert compares garage quotes and checks if the proposed repairs meet market standards.
- Verification of completed repairs: After repairs, they ensure that the work has been correctly performed and that the vehicle is in perfect working condition.
- Technical analysis in case of disputes: If there is a disagreement between an owner and a garage or between an insured party and their insurance company, the expert can resolve it by providing a detailed and objective report.
- Responsibility investigation: In complex accidents, the expert analyzes the circumstances to determine the exact causes of the incident.
Which Expert to Choose?
In Belgium, choosing an automotive expert depends on your specific needs, location, and the type of expertise required. Here are some recognized experts in the country:
- Les Experts Réunis (L.E.R.): Based in Brussels, this independent firm offers expertise and counter-expertise services for all types of vehicles. Their services include damage evaluation after an accident, counter-expertise in case of disputes, and vehicle assessments before purchase or sale.
- G.E.X.A (Groupe d’Expertise Automobile): With over 25 years of experience, G.E.X.A is a reference in automotive expertise in Belgium. They provide various services, including damage evaluation for all types of vehicles, classic car assessments, used vehicle evaluations, and hail damage management.
- SMEXA Automotive Expertise: Located in Brussels, SMEXA is an independent firm focused on protecting its clients’ interests. Their services include counter-expertise after an accident, dispute resolution for vehicle purchases or sales, assessments of classic and luxury cars, and accident analysis.
- Pierre Lognard: A certified automotive expert with over 25 years of experience, a member of the Institute of Automotive Experts (IEA). He offers expertise, counter-expertise, dispute resolution, vehicle evaluations, and accident analysis services.
For a complete list of accredited automotive experts in Belgium, it is recommended to visit the official I.E.A. website, which provides a directory of registered members.
How Can an Insurance Broker Help?
At AVOV Insurance, we ensure that every step of the expertise process is carried out transparently and in your best interest. We help you understand expert conclusions, contest evaluations when necessary, and defend your rights with insurance companies.
If you need automotive expertise or have questions about your auto insurance file, do not hesitate to contact us. We are here to guide and advise you.