lenniums. It will be fairly similar to what is
true of the industry today: it will be international. There will still be liability claims
and property claims. It’s hard to guess what
will happen with health insurance—
probably the government will be involved
somehow or another, much more so than
under the Affordable Care Act—and there
will be as many geriatric specialists as
there are obstetricians today. Undertaking
will be a very lucrative profession. Instead
of playing “cops and robbers,” your kids
will be preparing to be funeral directors.
(Undoubtedly none of you will remember
“Digger O’Dell, the friendly undertaker”
from the radio show The Life of Riley: “I’ve
got to be shoveling off!”)
Safety devices on autos will make accidents less frequent. Today the car beeps
if something is behind it while one is in
reverse. In less than 10 years, such devices
will become even more sophisticated,
ultimately preventing even more accidents.
Perhaps texting as a bad habit will have
gone the direction of the CB radio and the
78-speed record. There are already cars
where phones connect to the audio system
wirelessly, thereby reducing distractions.
The self-driving vehicle will not yet be
perfected, but it will be on its way.
As to claims adjusting, the need for
catastrophe adjusters will remain, and that
will become a full-time occupation. With a
big flood here and a forest fire there, here a
drought, there a windstorm, everywhere a
cat claim, adjusters will be kept busy. Claim
offices will be mobile, maybe even operating over railroads like the old circus trains:
just roll into a disaster zone and open the
cars. Settlement checks will disappear. The
money will be put into the proper account
by direct deposit; bank tellers will have
But Barry Zalma will still be busy warn-
ing us about claims fraud. With robots
taking all the jobs, the unemployed will
have little to do but sit around and dream
up ways to defraud somebody, and insurers
will be likely targets. There may be fewer
“who ran the red light” or “what is my
pain worth” type lawsuits, but coverage
language will be much more complex,
and there will be an increasing number of
declaratory relief actions. As law schools
pump out an increasing number of lawyers
each semester, many will become adjusters,
so count on a more litigious future.
Well, I’ll be gone by then, thank good-
ness. So if you are just starting in this
wonderful field of claims adjusting, you will
see as many changes as there have been in
the last 30 years. You will be among those
making the changes, so make good ones.
Ken Brownlee, CPCU, is a former
adjuster and risk manager based
in Atlanta, Ga. He now authors and
edits claims-adjusting textbooks.
STATEMENT OF OWNERSHIP,
MANAGEMENT AND CIRCULATION
(Required by 39 U.S.C. 3685)
1. PUBLICATION TI TLE: Claims.
2. PUBLICATION NO. 0895-7991
3. DATE OF FILING: September 27, 2013
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13. PUBLICATION TI TLE: Claims
14. Issue Date for Circulation Data Below: September 2013.
15. EXTENT AND NATURE OF CIRCULATION:
Average No. Copies Each Issue No. Copies of Single Issue Published
During Preceding 12 Months Nearest To Filing Date
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1. Outside-County as stated on Form 3541 1,281 726
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3. Other Classes Mailed Through the USPS 0 0
4. Rate Distribution Outside the Mail 670 496
E. Nonrequested Distribution Outside the mail
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F. Total Distribution (Sum of C and E) 12,980 12,809
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I. Percent Paid and/or Requested Circulation
(C divided by G times 100) 84.97% 90.46%
16. PUBLICATION OF STATEMENT OF OWNERSHIP: Publication Required. Will be printed in the November 2013 issue
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17. I certify that the statements made by me above are correct and complete. (Signed) 9/27/13
Sheila Hyland, Business Director