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Glossary
Claims

Salvage

Urgent measures to prevent further damage and also the salvageable remains after the claim.

In practice

The value of these remains is deducted from the compensation, so it is advisable to discuss their valuation with the same care as the damage. Removing them before the expert sees them complicates the file.

Where it is addressed

This term is covered in Siniestros and applies when taking out Gestión de Siniestros.

Related terms

Mitigation of damageObligation of the insured to take measures to reduce the consequences of the claim.ExpertTechnician who assesses the cause, extent, and amount of the damage. Each party may appoint their own.Contradictory appraisalProcedure provided by law when the insured and insurer disagree on the valuation: each party appoints an expert and, if there is no agreement, a third is appointed.Legal defenceGuarantee that covers the costs of lawyer, solicitor, and experts to defend the insured or claim on their behalf.Insurer's default interestSurcharge imposed by law on the insurer who does not pay or deposit the compensation on time: the legal interest increased by fifty percent and, after two years, never less than twenty percent.Payment on accountAmount that the insurer must pay within forty days following the report, corresponding to the minimum amount that may be owed according to the known circumstances.
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