Editor's Note: This is the fifth article in a six-part series on adjuster ethics.
Does the sameness of claim after claim permit standardized claim adjustment procedures? One rear-end collision without injuries is pretty much the same as any other rear-end collision without injuries.
What if it's a chain reaction collision? Who hit who first? What if the car in front had cut in front of the insured, then suddenly stopped? What if the collision was road rage, or one of the cars was "driverless"?
|Each claim is unique
No, each claim is unique, the people involved are individuals, and each claim needs to be adjusted on its merits. When we try to do away with individualism in each loss, we either over-pay or under-pay, hence the claim is no longer "fair and equitable."
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