Legal Consulting

The consulting service is a fundamental investment in order to provide safety, thrift and reasonability to the business services provision.

Through the adoption of a contemporary vision of Law and the social relations, we rely on a team specialized on the Legal Consulting of all the insurance market´s lines, in order to reduce risks and costs through consulting orientations against possible judicial and extrajudicial complaints.

Through the consultancy of real and hypothetical cases, we, under a legal and a marketing perspective, elaborate consulting/guiding opinions capable of diminishing eventual risks to which corporate practices susceptible.

Furthermore, the service provided by the firm seek primarily to converge the claim to an achievable, swift and, thus, less costly compensation scenario.

ACG Advogados operate in the consulting and litigation areas bound to every insurance contract product, intensively tracking the “products” progress to the present stage, as well as actively participate in the regulation and assistance of the most complex claims.

Among the services provided, we have:

  • Written or verbal consulting either Drafted or on Fast Track;
  • Assessment in the subscription and clause revision before SUSEP, the Civil Code, the Consumer Protection and Defense Code and the Brazilian Health Regulatory Agency´s diktats;
  • Elaboration of monthly and mid-year reports of cases under our judicial or extrajudicial monitoring or under refund procedure;
  • Elaboration of legal opinions;
  • Claim regulation (Financial Lines (E&O and D&O), Risk Engineering, Specified Risks, General Liability);
  • Study, analysis and the fixation of a technical reserve;

Project/Performance

For a better customer care, we have developed a Taylor Made line for corporate and legal solutions, since each insurance company have their own institutional view of goals and objectives, as well as their own particularities and necessities that are not congruent through mere institutional similarity. Thus, within the consulting (and even litigation) branches, we have assembled a specific legal project for the company´s target plan with a well-defined timeline and performance.

The project in question can be found in the following modalities:

Indirect claim regulation: it consists of a claim regulation project for a specific line through the drafting of a full regulation report, upon instigation by the insurance company in attendance to the rules of the necessary SLAs for the fulfilling of the insurance company regarding attendance, deadline and quality;

Direct claim regulation: it consists of a claim regulation project for general line through the drafting of a full regulation report, upon instigation by the client (broker/insured party) in attendance to the rules of the necessary SLAs for the fulfilling of the insurance company regarding attendance, deadline and quality;

Passive monitoring: it consists of the claim (administrative or judicial) analysis with a coverage opinion (synthesis – cover sheet), reserve adequacy and liquidation or closure guidance, that can have either a fixed (pre-existent and unchanging) or variable (pre-existent and future) basis of accounting;

Active monitoring: it consists of the claim (administrative or judicial) analysis with a coverage opinion (synthesis – cover sheet), reserve adequacy and liquidation or closure guidance, that can have either a fixed (pre-existent and unchanging) or variable (pre-existent and future) basis of accounting, ACTIVELY monitored;

The monitoring in question have been implemented by the firm due to the need of a swift and zealous attendance for the Insurance Company, which can count on an SLA with our initial document request and/or a final legal opinion within five working days, which, depending on the Company´s interests, could be sent in a shorter time span.

With the computerization of the administrative and legal claims, the Firm actively practice the search and gathering of case files’ copies, sparing the parties time and diligence.

In addition, the Firm rely on the support of artificial intelligence, which enables, if in accordance to the client´s best interests, the active search of claims filed against them, leading to their prior knowledge, as well as the active monitoring of procedural progresses of judicial demands. That allows for the Company to have a precise and present-day comprehension regarding those demands, along with all the benefits of such control, such as, among others, the right timing to make an agreement and the suggestion and assistance in the legal action.