Evidence Considerations: Providing Sufficient Evidence

Part 5 of the Evidence Considerations Series

Evidence is crucial in preparing a persuasive case of damages. At times, liability may not be disputed, but the other carrier challenges the amount of damages being sought. When presenting a total loss evaluation, it is important to include sufficient supporting details to justify how the settlement figure was determined. What do we mean by "sufficient evidence"?

Man using a magnifying glass to inspect documentsAn independent evaluation is crucial and should include all possible inspection attributes such as mileage, prior damages, equipment, conditions of the interior and exterior, etc. In addition, be sure to itemize all other costs such as taxes, fees, and licensing.

If all of these items are detailed from a personal inspection, the responding carrier will have less to dispute and even less of a chance of proving your evaluation to be insufficient. It is not unusual for a carrier to dispute the duration of rental. It is imperative to provide timely adjuster's notes as well as summaries of discussions with the shop and/or rental company that explain any and all possible delays.

With properly detailed evidence, the subrogation and arbitration professional will be able to easily prepare a compelling case of liability and/or damages, which should translate to greater subrogation recoveries for the company that he or she represents. Remember, as the front-line claims handler, you play the key role in gathering pertinent evidence and documenting your claim file accordingly.

Article published in: February 2015 E-Bulletin