As a contract the policy outlines what has been undertaken, knowledge of the various property and casualty contracts which cover personal lines and commercial lines, inland marine and crime are essential not only in the insurance carrier’s office but in the field when at the time claim is being viewed, appraised and reserved. It’s an old lament that claims never get better over time, and a misunderstanding of coverage on the part of the assured when matched by a lack of knowledge on the part of the field claim representative for the insurance carrier must be avoided.
In liability claims the companion broadens into an awareness of the state, local and federal statutes and case law. While the field claim adjuster is not legally trained outside of the standard industry programs such as AIC, CPCU and SCLA, it is important for our adjusters to know what to look for and in seeing, how to properly preserve it, document it. Often important items are fleeting and fragile, there may be no second chance once the scene is released to the owner. Knowing what is important in a specific casualty or liability claim at first blush is the key to a successful defense of a claim and the avoidance of spoliation of important items of evidence.
- General Liability Slip and falls
- General Liability 3rd party property damage
- General Liability Bodily injury
- Garage Keepers
- Commercial auto
- Personal auto
- Commercial property
- Tavern and liquor