Match adjusters to claims
The complexity and severity of fixed property type claims handled by auto liability teams will surprise most carriers. These expensive claims have an average severity of $25,000 and require complex damage investigations. Evaluating the cost of a 30-foot FLEXfence Louver System or to repair or replace a $45,000 utility box is not something most liability adjusters are trained to do. This is a large gap for most claims departments.
Most carriers segment their claims based on complexity and specialize based on claim types. This includes both high-volume/simple claims and low-volume/complex claims. Consequently, carriers put their most experienced and tenured adjusters on the higher-value complex claims that require more judgment and discretion – for example, total loss or litigation. Properly evaluating damages for both of these requires specific skill sets. In the case of litigation, these decisions can have significant consequences for the insurer if they're wrong.
This includes the segment of specialty claims (fixed property liability claims) that have a relatively high average severity and require complex damage investigations that inexperienced property damage liability adjusters handle in the absence of a liability dispute or coverage issue. These specialty claims, based on the type of loss (single vehicle collision) usually end up assigned to fast-track or liability determination teams, which typically don't have the expertise to properly evaluate and adjust these complex damage claims.
Examples of specialty claims that end up assigned to auto liability teams include the following: insured vehicle collides with a residential or commercial structures, municipality- or state-owned properties, commercial vehicles transporting goods, walls, fences, mailboxes, shrubs, or trees and landscaping.