As a young adjuster, my supervisor would tell me, “Don’t just look at the damages. To effectively present a claim, there must be both liability and damages.” This still resonates as there are many claims where there has been an errant, or even missed, liability decision.
From car crashes and slip and falls, to toxic torts and medical malpractice, liability is a critical component of every claim. The key to driving the right outcomes is
to provide adjusters with ample knowledge, tools and time to conduct a thorough
investigation and negotiate an accurate outcome.
This can be a challenge, as adjusters never seem to have enough time. Everyone
seems to be doing more with less, and at times, things slip through the cracks. The
key is to focus on the most critical issues, with the priority being the determination
of liability based upon the facts.
BY CHRIS TIDBALL
IN INSURANCE CLAIMS