Some insurances do not reimburse damage via a monetary amount, but arrange the repair themselves through a recognised repairer. This is called recovery in kind. For example, consider a claim where a broken window is immediately replaced by a specialised firm, without you having to advance an invoice yourself.
This system offers a number of advantages. Because insurers work with regular partners, the process is often faster and you can be sure that the repair is done professionally. Moreover, you do not have to look for a repairer yourself and avoid discussions about costs or refunds.
Disclaimer
This page is part of a lexicon and does not provide product information or contractual details on insurance services. For specific information, please refer to the official documentation or contact your insurance agent.
