English to Czech Bus/Financial Insurance experts

1. Overview of Motor Claims business processes of the participating countries. Differencies, and best practices.

For details of the key Motor Claims business processes of Allianz Russia please see attached «BP maps_Motor claims handling).

* Consideration of non-standard claims (signs of fraud)

- fraud identification and prevention methods

(key signs of fraud; key stages for fraud control purposes, etc.)

- IT solutions for fraud prevention

- interaction with Security and enforcement agencies

- actions taken by Claims employees to identify fraud and collect evidence

- access to international databases of car manufacturers, rep offices and dealers (e.g. sending VIN inquiries on stolen cars to check if those cars were repaired by dealers)

* Dealing with court claims (rationale of decision on claim/claim size, amicable settlement, ex gratia payments)

- % of court claims in settled claims

- main reasons for court claims

- measures taken to reduce the number of court claims and the size of legal expenses, methods of validation of the Insurer’s claim decision

- practice of making changes in Claims business processes in case of unfavorable changes in legislation

* Technical expert work (interaction with Repair Stations, damage assessment calculation)

- interaction with dealers (sales related business)

- determination of spare parts value in contracts with dealer repair stations, including major car manufacturers (BMW, Audi, Mercedes)

- glass repair technology

- wheel disk repair and paint technique

- time rating methods applicable to car body repairs (applicable methods, IT solutions)

- repair technologies and partial replacement of parts (applicable methods, IT solutions)

- automation of repair bills verification and other IT solutions used in cooperation with Repair Stations

2. Carrying out tenders for external providers selection (loss adjusters, independent examination, tow trucking services, etc.)

3. Cooperation with Allianz’ global partners (Audatex, Carglass, Mondial, etc.)

4. “Fast-track payments” practice

- LoB to which it is applicable

- procedure for loss assessment, approval and claim payment

5. Subrogation

- subrogation proceeds as a % of earned premium and claims paid

- collection procedures: courts and collecting agencies

- collecting debts from private clients

7. Control of claim severity in MOD/OMTPL and it’s influence on LR

- increasing drivers and mitigation measures (for details on Russia see attached «Motor claims severity_increasing drivers & mitigation measures»)

- other OEs’ practices in average claim control. Measures taken. Results.