Reserving for surveillance and desktop investigations is not generally reserved for, until the claimant presents or you uncover enough red flags that will convince you that your investment in the investigation, will make your money back, plus a whole lot more. This system of claim “triage” can work, but have you ever thought of how many claims you didn’t look under ever stone on, or had some interesting and mitigating information?
When a claim supervisor designates a claim as minor, that puts the claim on the fast track for getting paid and settled. The low priority marks minor cases for minimal to no investigation and a quick resolution. Claims perceived as high-profile, receive more management attention, more in-depth investigation and more claim handling resources from day one. Without proper investigation, you save money but you might also miss the fact that some of the minor cases have high-dollar savings potential as well.
Injury claims spin out of control
First impressions often fail even a seasoned claim supervisor. Little claims are often bigger than
Injury cases in the wrong hands can spin out of control within the first hours or days of receiving
Injured claimants hire attorneys who delay in providing specials and other information you need. Insured drivers become transient and disappear. Witnesses become unreachable. Online profile privacy settings change. It’s important to conduct a basic investigation and collect accurate facts while they’re still available.
Consider the future of every claim
It’s essential to investigate every injury claim as though you’ll have to defend it in court someday. Even if the claimant reports their injuries as minor, the unknowns may surprise you down the road. An in-person investigation isn’t always necessary as long as it’s comprehensive enough to clear up the critical issues.
Uninvestigated claims come back to haunt you
When a claimant files suit, you see the value of a good investigation. You have enough information to instruct your attorney on how to proceed. Your investigative materials provide the information you or your attorney need to settle, deny or litigate a claim.
Expenses rise quickly when a claimant files suit on an uninvestigated case. If you don’t have the facts, you will pay to get them via interrogatories, depositions, and costly expert testimony. With a comprehensive investigation already in place, you’ll have enough information to weigh your settlement vs defense options and proceed accordingly.