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I'm here for you in case of an accident - the process of handling damages at DUAL.

"That can't go well today! Did you have a queasy feeling in your stomach when waking up or at the latest when looking at the calendar this morning? Then you belong to the so-called 'Paraskavedekatriaphobics' - the people who are afraid of Friday the 13th." fear. If one believes in the myth, then there would have to be an above-average number of accidents and therefore also insurance claims occurring on this day.

No - at least that's what the numbers of a long-term observation by Zurich say. Year after year, the insurer evaluates its claims statistics precisely under this aspect, and debunk the superstition: Damage-wise, the supposed unlucky Friday is just like any other day. Because the number of damages that occur on a Friday, the 13th, is the same as any other day. reported, lies on a similar level as on all other days. In the past September, the "unlucky day" even slightly below the average value.

Regardless of such an insurance case, but now on a Friday, the 13th.​​​​​​​ or on another day occurs: As an insured person, you want to be able to rely on quick help in such a situation. Of course, we will also take care of you in the worst case scenario and handle the damage quickly and uncomplicatedly. However, how do the processes look in such a specific case? We provide insights into our processes.

Our Service Promise: Response within two days.

If damage occurs once, we will not leave you standing in the rain and guarantee a quick and uncomplicated processing.​​​​​​​ As the sole contact person in the event of a claim, we offer you exceptional service. With nine permanent lawyers, we have one of the largest claims departments in the Financial Lines market. The Claims Manager takes care of the claims processing intensively.

After receiving the damage report, we will get back to you within two working days to provide you with a reference number and contact person. Based on the available information, the next step is to conduct an investigation and performance evaluation. Due to a lack of information, we are reaching out to you again and requesting further information that is necessary for a coverage decision. Do we have all the necessary information together, the coverage decision is made: Is there a claim before or not?

If the former is the case, the insurer makes the decision whether claims are defended or a release is made through payment (and thus the completion of claims handling).Is a defense necessary, we coordinate the procedure until its resolution.​​​​​​​ Here we work closely with the insured representatives and legal advisors, and we do everything we can to ensure that the dark clouds clear for the insured and that sunshine follows the rain again.

The best to the end.

If you still belong to the paraskavedekatriaphobics (despite all the numbers), we have one more good news for you: In this year, there is only one more Friday the 13th.- And that takes until November. Also: Just as surely as sunshine follows rain, follows a Friday the 13th. The long-awaited weekend. And that is surely the best news to end with.