P reconisations
Harmonization of practices and better economic decisions on compensation of serious bodily bring in t insurers and reinsurers stability and transparency they need to carry out their respective missions and complementary to management of risk , as well as better consideration of victims over time .
The law of February 2005 established the concept of life projects . In this respect its financing born BLINDNESS the interventio n both the public and private .If accident suscepti ble of ê be indemnis ed , insurers and r éassureurs must occupy a prominent place in the social debate on disability given issues e economic s that concern primarily .
The 'APREF wishes insists r on the following points in addition to the recommendations of the White Paper AFA :
A u advantage of the victim 's
U no coordinated action between art multidisciplinary teams Houses p Departmental our Disability and art insurers since the victim is likely to benefit from the implementation of the two mechanisms (public / private) .
U do pooling existing resources LEMENT available offered by insurance companies for and generalize the principle of r EPAIR in kind for better social and professional reintegration . This sharing would be humanly and socially beneficial to the victims .
Insurers , without exception, will be invited in recourse or defense to systematically undertake an amicable compensation process which would lead to greater technical control of cases for better compensation.
For the benefit of the principle of full reparation
U do systematic production 're supporting paid corresponding to the consumption needs of the victims.
U do incit ation to the victim to reduce or avoid the worsening of his damage when thereof has the opportunity , by means of safe, reasonable and proportionate . In the event of abstention on his part, he could be penalized , unless his physical integrity was affected (cf. article 1373, C a tala report and legal provisions, for example in Germany and Switzerland).
Reinsurance
As regards reinsurance, APREF recommends :
U only integration of the complete Dintilhac nomenclature (see Appendix 2) , which has a potential impact inflationary ,
D art forms standardized victims (see Annex 3) pre lude to a real professional performance file ,
D es annuity terms of reference , to simplify their management between insurers and reinsurers (see Appendix 4 ) ,
Closer cooperation with insurers on claims assessments and settlements
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