Claims Response – how you and your Insurance provider responds matters
Understanding how you’re going to respond to an insurance claim scenario before that scenario occurs is a practice that is sure to pay dividends when the unexpected occurs.
To help ensure a successful start to your claims investigation, NBIS has developed four levels of accident investigation for first responders – something every policyholder should keep at the forefront of his or her mind when a loss or claim occurs:
- LEVEL 1: FIRST RESPONSE: implemented by policyholder
- LEVEL 2: TACTICAL RESPONSE: implemented by specialized claims investigator (insurance company specialist or other designated specialist)
- LEVEL 3: FORENSIC RESPONSE: implemented by qualified expert witness
- LEVEL 4: LEGAL RESPONSE: Implemented by defense or oversight attorney
If the claims event is severe enough, each level of accident investigation will be implemented in one seamless response. In other occasions, these steps may develop systematically. In almost every scenario, though, it’s important to remember that it’s typically the insured policyholder who is the first responder.
Being the first responder to a claims event carries with it a great deal of responsibility. It’s important for policyholders to develop a Jobsite Accident Response Plan prior to the claim event, so that critical information can be gathered in a calm and systematic way. Severity claims response is most effective when it utilizes a pre-planned approach. While safety and accident prevention are the core focus of the plan, a good response plan contemplates multiple scenarios with two key objectives in mind: preserve evidence and “set the table” for the investigative team
Read the last part of this 4 part series on becoming less risky: “Keep up with Technology”. NBIS Policyholders receive many of the benefits in this four part series FREE as part of their Insured Benefit. Not an NBIS Customer? Contact your agent and ask for an NBIS quote. #NBIS #BetterInsurance
