Field investigations

Motor liability claims are often perceived as straightforward and low value, whereas experience indicates the converse is true. For the majority of insurers this is the area of their business which is subject to the highest leakage and increasingly the most prone to fraud.

With the recent Ministry of Justice reforms, there is a requirement to gather evidence and make liability decisions within 15 days of the letter of claim. Our adjusters and investigators have the capability to comply.

Issues our clients may be faced with include:

• Conflicting versions of accident circumstances
• Fronting
• Impending further time constraints under the Ministry of Justice proposals
• Increasing and varying volumes of motor liability claim
• Multiple vehicle collisions
• Rising cost of personal injury claims
• Staged accidents

Key benefits
We deliver an innovative all-round service, which generates competitive advantage in support of your goals.

• We offer locus preparation with plan and digital photographs
• We take policyholder or witness statements (CPR compliant)
• Cognitive interviewing is applied with particular emphasis on fronting
• We examine and validate driver’s details and vehicle documentation
• We screen for fraud with particular emphasis on minor impact soft tissue claims
• We assess witness credibility
• We deal with any police report enquiries
• We complete a consent and indemnity form
• We analyse and guide our clients on legal liability, should this be required

Key features

Should you need an end to end claims handling facility, we are fully equipped:

• Through our network of experienced motor adjusters we provide a national service, with local management to ensure speed of delivery and quality control
• We obtain detailed statements and undertake accurate accident scene investigations
• Our motor adjusters are trained in identifying such issues as fronting and staged accidents. We call upon the additional expertise of our special investigators when fraud is suspected
• Our injury management and vocational rehabilitation sister company, Corpore, helps to reduce injury claims costs through rehabilitation programmes
• Our bespoke management information helps to identify such areas as cost savings
• Through our IT platforms we cross reference claims information in a number of varying fields to identify, for instance, serial claimants and staged accident black spots
• Our motor adjusters are supported by our regional adjusting teams with full geographical coverage for the investigation of liability and quantum in motor impact damage claims, when required
• Our teams are supported by our complex liability specialists in such areas as pollution, products, construction and catastrophic injury claims

For further information about our service, please contact Jonathan Pritchard on +44 7879 067461 or email jonathan.pritchard@cl-uk.com