As a reminder, an automobile property damage claim within the authority of Article First of the Automobile Subrogation Arbitration Agreement includes all automobile property damage claims arising from the payment of losses to an insured, or a self-insured loss, under the first party automobile coverages. It includes claims arising under collision, fire, theft, and comprehensive coverages or self-insured losses of a similar nature. A claim may include an itemized list of losses such as towing, storage, rental reimbursement, and salvage expenses, provided they were paid out of the insured’s policy or incurred by a self-insured pursuant to statute or judicial decision. However, the disputed claim amount may not include a company’s normal operating expenses (costs associated with investigating and adjusting claims).