____Represented by a public adjuster on the day of the loss

____Wants a settlement approved quickly

____Does not want the claim to go to a supervisor, regional office, or claims committee for authority

____Is exceedingly cooperative and undemanding

____Is exceedingly demanding and threatens a bad faith suit from the date of first contact

____Demands a proof of loss form at the initial meeting

____Is familiar with insurance claims terminology

____Asks for the claims manager by name

____Is familiar with the adjuster's authority limits and wants to settle for a sum within those limits

____Handles all business in person (thus avoiding mail and potential prosecution for violation of federal mail fraud statutes)

____Provides an address that is a post office box, mail drop, or hotel

____Reduces the demand for settlement when it is suggested by the adjuster that he file suit

____Has a history of multiple, similar claims

____Has a history of more than two lawsuits

____Is recently separated or divorced (indicating a possible financial strain)

____Was recently laid off a job, has a spotty work history, or extended period of unemployment

____Has a history of gambling, alcohol, or drug abuse

____Insured is eager to accept blame for an accident.

____Claimant and insured know each other.

____Claimant and insured are from the same family.

____Claimant and insured have the same address.

____One or more parties present damages that are inconsistent with the facts of the loss.

____Claimant's lost earnings statement is handwritten or typed on blank paper rather than business letterhead.

____Claimant has multiple insurance claims.

____Several or all claimants treated at same clinic on same day.

____Vehicle was purchased for cash.

____Claimant has no proof of ownership of vehicle.

____Vehicle recovered was surgically stripped.