Interview with Jose Manuel Gonzalez, president of the National Chamber mechanical workshops, CANATAME.
Hello Mr. José Manuel Gonzalez
President Canatame
Would you please answer some questions for the weekly interview, Venezuelan Insurance Market
1) insured claim that there is a delay by the garages, in providing parts for repairs of damage What would these causes?
Dear Friends, thanks for taking on the Guild concideracion independent repair
The problem of delay in the repair of insured vehicles is due in most cases, not the lack of availability of spare parts, but to the bureaucratic delays that have implemented these in order to increase their already huge profits.
We can summarize that there are two workshops conducted repairs to vehicles insured mechanics: The
the insurer undertakes to repair the vehicle, and the insured repair your vehicle and then be indemnified by the insurer.
which detailed as follows:
Vehicles with damage that prevent its operation are usually transferred to an authorized by the insurance company, waiting to reach the person sent by the insurance company make the adjustment of damages. It usually takes 2 to 5 days.
After the loss adjuster been made adjustment for submission to the analyst, who is the listed parts, when not performed by the expert. This lasts between 2 to 30 days, issued a call to the Workshop Repair Order and Purchase Order to the replacement house. Then the House
Replacement order placed in queue are collapsed reasoned and take 5 to 10 days to send replacement parts, provided they have availability.
After the workshop receives all parts placed on the waiting list the vehicle for repair. On average this list is 1 to 2 months.
Once you turn it is, begins repair on average takes between 7 and 20 days.
An insured person who notices made no reinspection Authorized Workshops repair, while it repairs in the workshop of your choice if you must perform.
This means that on average repair parts takes between 3 and 4 and a half months for the systems used by insurance companies.
Then we explain the relationship-User Workshop and then the insurer to fulfill its duty to indemnify:
the damaged vehicle is carried by the user to the workshop of your choice, using its Constitutional Law Article 117. the insured notified by telephone to your insurer.
Loss Adjuster (legal person established in the LESR) makes adjusting Legal and impartial as required by law (without interference insurance company) of the most immediate way possible, where it be noted that the budget presented by the Workshop, is for the damage caused by the incident, and should take account of legal expertise by the experts of Traffic and Land Transportation. This should not take more than 1 day (taking the necessary implements computer program for the Adjustment of Loss) (it works in many countries)
completion of investigations and surveys that established the claim, the company must pay the insured amount of compensation , for the insured to repair your vehicle in the workshop of your choice, with quality guaranteed by the Constitution. Article 41 Insurance Contract Act. The insurer to pay, or reject this claim within 30 working days. Article 175 of the LESR
The repair shop does, placing the parts (and who has to ensure the repair and replacement parts under the Consumer Protection Act). This operation takes between 7 and 20 day average.
Analyzing, repairs on average last between 1 and 1 ½ months, reducing the average time for repairs.
It should be noted that in recent years 2004 / 2005 / 2006 / 2007/2008/2009 have been numerous cases of delays greater than 5 months for the repair of vehicles.
DELAY IN THE REPAIR IS ONLY THE INSURANCE BENEFITS AS TIME DELAYED damages.
2) the insured also argued that after repair, the shop gives little information on the origin, quality and product cost.
With the ominous figure of Provider or Authorized Workshop, they can not freely inform the insured on the repair of your vehicle, under threat of being excluded from such lists, as was demonstrated in the resolution of August 13, 2004 Resolution PROCOMPETENCIA
Is there any reason why the shops do not give that information to your customers? A workshop owner who refused to identify declare, that are supplied by a system EMPARTES auctions.
reiterate answer to question No. 2 insurers threaten to workshops that inform the insured on the origin of the parts, which are supplied with documents that do not meet the specifications of the delivery notes or invoices issued by the SENIAT. Greetings
Jose Manuel Gonzalez Esquivel. Thanks again
c. Star
Mercadoasegurador 
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