One of the most complex aspects of claims adjusting is that of bodily injury investigation. In this article, we are going to simplify the process and share key elements of the investigation that will ultimately drive outcomes.
Provided that coverage is in line, the immediate task at hand for new claims is to determine liability. It is important to remember that a claimant must prove both liability and damages in order for him to be legally entitled to compensation.
Liability is crucial because comparative negligence is so often overlooked. When speaking with claims executives, they often lament the frequency at which claims are settled at either 0% or 100% with the occasional 50% sprinkled in for good measure. The reality is that roughly 3% of all claims are settled with a comparative negligence assessment. When compared to the more than 50% of all cases adjudicated by juries in which comparative negligence is assessed, a huge opportunity for organizational improvement emerges.
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
