Motor own-damage (Kasko)

Own-damage claims collected from repair approval to payment

The customer has assigned their own-damage claim to the car dealer, and the invoice has to be collected from the Kasko (comprehensive cover) insurer. The agent team checks the documents, obtains the repair approval, quantifies the claim and follows up on settlement. You review and approve.

Book a demo →How it works
  • BRAO compliant
  • Data stored in Germany
  • Nothing goes out without your approval

Kasko is volume work with thin margins

Every file needs complete documents, the insurer's approval, a checked invoice and often several reminders before payment. With many cases this effort eats the margin, and more dealers can only be taken on with more staff.

How a Kasko file runs in rightflow

  1. 01

    As soon as the claim arrives by e-mail, upload, partner portal or from Autoclaim, rightflow opens the file and checks the documents for completeness. Whatever is missing, the team requests from the dealer.

    Today
    Sift documents, chase what is missing by hand
    Result
    File opened, missing items requested
  2. 02

    The team obtains the repair approval from the Kasko insurer, with a provisional figure, and follows it up.

    Today
    Request approval and chase by phone
    Result
    Approval requested and followed up
  3. 03

    Once the repair is done, the team requests the repair invoice and checks it before the claim is quantified.

    Today
    Chase the invoice and check it by hand
    Result
    Invoice requested and checked
  4. 04

    The claim is built from the documents in the file, with the deductible and input VAT taken into account, and goes to the insurer with the required attachments after your approval.

    Today
    Calculate items, assemble attachments
    Result
    Claim with attachments, ready for approval
  5. 05

    The team then follows up on settlement. In case of delay or a reduction, the out-of-court legal procedure can start on your decision, billed under the RVG and, if you wish, all the way to court.

    Today
    Chase the insurer by hand
    Result
    Reminders on time, legal procedure on your decision
  6. 06

    When payment arrives, rightflow matches it to the file and prepares the payout to the dealer for approval.

    Today
    Find the payment, instruct the payout
    Result
    Payment matched, payout ready for approval

What changes in the firm

Complete files

Whatever is missing, the team requests before the file moves on.

A claim you can follow

For every item of the claim you see the document and the calculation.

Open files in view

Every file has a follow-up until payment has arrived.

Your staff review and approve

The agent team does the groundwork in the file.

For firms that collect own-damage claims for car dealers

  • Firms that handle Kasko claims as a service for car dealers and workshops and do not want to add staff for every new partner.
  • Traffic law firms where Kasko is part of the standard workflow and the margin per file is thin.

What the agent team handles in a Kasko file

Coordinating agent
  1. 01
    Opening the file

    Claims arrive by e-mail, via the partner portal or from Autoclaim. rightflow opens the file from them.

  2. 02
    Checking the documents

    Expert reports, estimates, invoices and photos are read and checked for completeness.

  3. 03
    Repair approval and cover

    The team obtains the approval from the insurer. If you wish, it also checks cover against the policy and its terms.

  4. 04
    Quantifying the claim

    From the documents in the file, with the deductible and input VAT. If you wish, also for a total loss with replacement and residual value.

  5. 05
    Drafting letters

    Requests, claims and reminders are drafted with your templates and text blocks.

  6. 06
    Exchange with dealer and policyholder

    Requests and updates go out via the portal or by e-mail; the team's answers to questions go out after your approval.

  7. 07
    Following up on settlement

    Follow-ups and reminders to the insurer. In case of delay or a reduction, the team puts the step into the legal procedure to you for decision.

  8. 08
    Matching payments

    Incoming payments are matched to the file, and the team prepares the payout to the dealer for approval.

  9. 09
    Deductible and VAT

    Depending on the workflow and your wishes, the team claims them from the policyholder or shows them in the settlement.

What the team knows

  • The assignment of the own-damage claim to the car dealer and the documents insurers require for it.

  • Claim items such as repair costs, deductible, input VAT and, for a total loss, replacement and residual value.

  • Own-damage insurance under the VVG and the AKB, for the cover check if you want one.

  • Your templates, text blocks and deadlines, which you set up once.

What the team does when the file is not clear

  • The situation

    The policyholder's tax status is unclear.

    What the team does

    The team does not estimate: it reports the gap and drafts the claim only once it is clear whether to calculate net or gross.

  • The situation

    The insurer pays less than claimed.

    What the team does

    The team sets the reduced items against the documents. Whether the reduction is accepted or challenged by a lawyer is your decision.

Frequently asked questions

Other case types

Motor liability →Traffic law & fines →

See a Kasko file in rightflow.

In 30 minutes we show you on a Kasko case how the agent team works the file from repair approval to payment.

Book a demo →