Proper identification and assessment of comparative negligence provides insurance carriers with one of the greatest opportunities to maximize their bottom line.  From auto and property to worker's compensation and health, there is no aspect of this industry untouched by this multi-billion dollar opportunity.   Carriers big and small benefit from our state of the art, proprietary solutions that literally find them millions of dollars annually.

The concept is relatively simple.  In fact, shared liability is something that is taught in Adjusting 101 classes throughout the world.   Rarely does it happen that an accident is solely the fault of one party. Rather, multiple parties are often to blame.   In many cases parties not even involved in the accident can share in the culpability through such doctrines as attractive nuisance, premises liability, DRAM shop or product defect.

Our methodology is simple, in that we work with our client carriers to assist their staff in better recognizing all potential avenues for recovery.   We not only train them, but we benchmark existing results and formulate a customized action plan to improve their bottom line.

In one case study, a top 10 P&C carrier recognized a need in this area.   As an organization, assessment of comparative negligence  on collision claims was around 3%.   From our vantage point there was a lot of room for improvement, as the best of breed have the ability to assess comparative on anywhere from 35% to 40% of all collision claims.    By focusing attention on the field adjusters through a combination of tutorials, hands on training, one on one sessions and technology improvements, the organization achieved double digit gains.  In fact, one state alone approached assessments of 30%, which is a quantifiable bottom line improvement.

Identification of comparative negligence is only part of the equation, as negotiation is what truly drives results.   Adjusters must be able to effectively be able to explain their rationale and back it up with facts, statutes and case law.   By empowering them to educate the customer, they can  then achieve settlements without conflict which has a direct impact on both claim and expense payments.

If you are interested in learning more about how we can help you, contact Chris Tidball at (904) 742-9031 or via e-mail at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .  In addition, we have many resources available including our free educational seminars that are guaranteed to improve your bottom line results as detailed below: