1. Impact of direct settlement of motor claims on time and costs of
compensation
The case of Spain
ANA GARCÍA BARONA
Technical and Reinsurance Director
Consorcio de Compensación de Seguros
Warsaw, 7 – 9 May 2008

2. C.C.S. Motor Vehicle Compulsory Insurance
CCS Functions and Coverage
Motor Vehicles Registered
Claim Files
Claims Economic Cost
Sequence of Claim Management
Human Resources Cost

3. I. CCS Functions DIRECT INSURANCE: GUARANTEE FUND:
 Public vehicles (on request)
 Unaccepted (rejected) private vehicles
DIRECT INSURANCE:
 Unidentified vehicles (2nd Directive)
 Stolen vehicles (2nd Directive: optional)
 Uninsured vehicles (2nd Directive)
 Winding-up undertakings
 Disputed claims (Controversy)
GUARANTEE FUND:
 F.I.V.A. (Insured Vehicles Registry)
 Information Centre
NON INSURANCE DUTIES:

4. I. CCS Compensations

5. 29,700,000 (plus 2,500,000 scooters) (22,700,000 drivers)
II. Motor Vehicles Registered
The estimate of vehicles in Spain in 2007, according to the Directorate-General for Road Traffic (Ministry for Internal Affairs) was:
29,700,000 (plus 2,500,000 scooters)
(22,700,000 drivers)

6. III. CCS Portfolio

7. III. Total claims submitted

8. III. Trend of claims submitted by category of insurance (year of recording)

9. III. Breakdown of claims submitted by category of insurance, year of recording: 2006

10. IV. Direct indemnities by category of insurance

11. III. Breakdown of direct indemnities by category of insurance, year of payment: 2006

12. IV. Trend of direct indemnities by category of insurance (year of payment)

13. IV. Payouts by type of damage (payouts and accruals)

14. IV. Breakdown of payouts by type of damage, year of occurrence: 2006

15. IV. Breakdown of indemnities by type of personal injury, year of occurrence: 2006

16. IV. Average direct-indemnity per claim

17. IV. Trend of the average direct-indemnity per claim
(year of occurrence)

18. IV. Cost of sanitary assistance

19. IV. Breakdown of the cost of sanitary assistance, year of payment: 2006

20. IV. Cost of claim adjustments by category of insurance

21. IV. Cost of claim adjustments by category of insurance (year of payment)

22. IV. Cost of attorneys by category of insurance

23. IV. Cost of attorneys by category of insurance
(year of payment)

24. IV. CCS Motor Vehicle Insurance Loss Ratio

25. IV. Status of the claims submitted as of 31/03/2008

26. V. Sequence of claim management, 2007 (days from occurrence, average)

27. V. Average time lapse from occurrence to payment

28. V. Average time lapse from recording to payment

29. V. Average time lapse from occurrence to claim recording

30. V. Average time lapse from recording to delivery for loss adjustment

31. V. Average time lapse for loss adjustment

32. V. Average time lapse for authorization

33. V. Average time lapse from authorization to payment

34. V. Average time lapse for recoveries

35. VI. Human Resources, 2007