{"id":23275,"date":"2025-05-21T03:34:46","date_gmt":"2025-05-21T01:34:46","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=23275"},"modified":"2025-05-21T04:15:53","modified_gmt":"2025-05-21T02:15:53","slug":"errors-que-retarden-els-pagaments","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/errors-que-retarden-els-pagaments\/","title":{"rendered":"Errors que retarden els pagaments"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<pre>COMPANYIES<\/pre>\n<h2>Errors que retarden els pagaments<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<strong>L&#8217;assessorament dels mediadors ha d&#8217;agilitzar el proc\u00e9s de reclamacions per part del client<\/strong>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1747788572721{margin-bottom: 20px !important;}&#8221;]Les reclamacions per sinistres s\u00f3n un moment cr\u00edtic en la relaci\u00f3 entre clients, mediadors i asseguradores. \u00c9s un episodi clau en la relaci\u00f3 entre les tres parts. Els clients ho viuen amb urg\u00e8ncia: necessiten una resposta r\u00e0pida i eficient. \u00c9s el moment en qu\u00e8 es pot fidelitzar el client, per\u00f2 en qu\u00e8 una mala gesti\u00f3 o un error que demori el proc\u00e9s pot posar en perill la relaci\u00f3 amb el client.<\/p>\n<p>De vegades es produeixen errors que poden causar una mala imatge davant dels assegurats, malgrat que el mediador no hagi com\u00e8s cap error i hagi estat el mateix client el que ha causat el retard. Molts tr\u00e0mits es demoren degut a errors evitables. Per aix\u00f2 \u00e9s important que el mediador d&#8217;assegurances gui\u00ef els seus clients per evitar aquests errors. A continuaci\u00f3, analitzem els <strong>errors m\u00e9s comuns que retarden els pagaments<\/strong> i com solucionar-los.<\/p>\n<p><strong>Documentaci\u00f3 incompleta o incorrecta<\/strong><\/p>\n<p>L&#8217;error pot estar als petits detalls: per exemple, presentar informes m\u00e8dics sense signar, fotos de danys poc clares o factures incompletes. Sempre cal proporcionar als clients una <strong>llista de documents requerits<\/strong> segons el tipus de sinistre (p. ex., informe policial en accidents, pressupostos de reparaci\u00f3, etc.). Tamb\u00e9 cal verificar que els documents audiovisuals (fotos o v\u00eddeos) es veuen amb nitidesa.<\/p>\n<p><strong>Demora a informar del sinistre<\/strong><\/p>\n<p>L&#8217;error consisteix a esperar dies o setmanes per notificar-ho a l&#8217;asseguradora. En aquest cas, cal recordar als clients que <strong>el termini importa<\/strong>. Moltes p\u00f2lisses exigeixen comunicaci\u00f3 <strong>immediata<\/strong> o assenyalen un termini obligatori. Per intentar solucionar-ho cal oferir a l&#8217;assegurat canals \u00e0gils (apps, WhatsApp o tel\u00e8fons d&#8217;emerg\u00e8ncia 24\/7).<\/p>\n<p><strong>Descripcions ambig\u00fces de l&#8217;incident<\/strong><\/p>\n<p>\u00c9s for\u00e7a freq\u00fcent que les descripcions del sinistre siguin i poc minucioses. Hem d&#8217;ensenyar-li al client la necessitat de ser molt prec\u00eds en la seva declaraci\u00f3 i de cenyir-se a coses concretes que ajudin a entendre de deb\u00f2 el que ha passat: hora exacta, testimonis, circumst\u00e0ncies, context\u2026<\/p>\n<p>Podeu ajudar a utilitzar plantilles <strong>d&#8217;informes preliminars<\/strong> per estandarditzar dades clau i proporcionar una guia al client perqu\u00e8 respongui concretament al que se us demana.<\/p>\n<p><strong>No seguir els procediments de l&#8217;asseguradora<\/strong><\/p>\n<p>Un altre error que sol passar \u00e9s que el client no t\u00e9 en compte els procediments establerts per la companyia i, per exemple, porta a reparar el cotxe sense autoritzaci\u00f3 o acudeix a tallers no concertats. Des del principi de la relaci\u00f3, el mediador explica als clients quins s\u00f3n els passos contractuals que cal seguir com validar que el taller est\u00e0 concertat amb l&#8217;asseguradora. I, sobretot, cal insistir que saltar-se els protocols pot <strong>anul\u00b7lar la cobertura<\/strong>.<\/p>\n<p><strong>Discrep\u00e0ncies en la valoraci\u00f3 de danys<\/strong><\/p>\n<p>Un altre error cl\u00e0ssic \u00e9s sol\u00b7licitar pressupostos que no s\u00f3n oficials per a la companyia ia l&#8217;hora de comparar-los amb els realitzats pels p\u00e8rits enviats per l&#8217;asseguradora es produeixen discrep\u00e0ncies que poden eternitzar el proc\u00e9s (per exemple per valorar els b\u00e9ns sostrets en un robatori). El mediador \u00e9s un element clau per aconseguir un acord satisfactori.<\/p>\n<p>Els mediadors poden <strong>accelerar una mica el proc\u00e9s d&#8217;indemnitzaci\u00f3<\/strong> anticipant-se a aquests errors. Es pot simplificar el proc\u00e9s amb <strong>checklists personalitzats<\/strong> per tipus de sinistre i amb una <strong>comunicaci\u00f3 proactiva<\/strong> per recordar terminis. \u00c9s evident que el paper dassessor del mediador \u00e9s un factor clau per a una experi\u00e8ncia de client satisfact\u00f2ria.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimes not\u00edcies<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] COMPANYIES Errors que retarden els pagaments [\/vc_column_text][vc_column_text css=&#8221;&#8221;]L&#8217;assessorament dels mediadors ha d&#8217;agilitzar el proc\u00e9s de reclamacions per part del client[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1747788572721{margin-bottom: 20px !important;}&#8221;]Les reclamacions per sinistres s\u00f3n un moment cr\u00edtic en la relaci\u00f3 entre clients, mediadors i asseguradores. \u00c9s un episodi clau en la relaci\u00f3 entre les tres parts. Els<\/p>\n","protected":false},"author":562,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[160,1868,2059],"class_list":["post-23275","post","type-post","status-publish","format-standard","hentry","category-noticies","tag-mediarionews","tag-mn-2","tag-mn274"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Errors que retarden els pagaments - Col-legi de Mediadors d&#039;Assegurances de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elcol-legi.org\/w\/errors-que-retarden-els-pagaments\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Errors que retarden els pagaments - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] COMPANYIES Errors que retarden els pagaments [\/vc_column_text][vc_column_text css=&#8221;&#8221;]L&#8217;assessorament dels mediadors ha d&#8217;agilitzar el proc\u00e9s de reclamacions per part del client[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1747788572721{margin-bottom: 20px !important;}&#8221;]Les reclamacions per sinistres s\u00f3n un moment cr\u00edtic en la relaci\u00f3 entre clients, mediadors i asseguradores. \u00c9s un episodi clau en la relaci\u00f3 entre les tres parts. 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