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Improving Workers’ Compensation Correspondence

Like their brethren in property/casualty and life/health, workers’ compensation claims professionals write a lot. They write to physicians, lawyers, claimants, employers and many others. Like so many others in the world of claims, many workers’ comp people mistakenly think that …

10 Subrogation Mistakes Insurance Companies Keep Making

“Show me the money.” – Rod Tidwell in Jerry Maguire This year is the 20th anniversary of the 1996 romantic comedy Jerry Maguire. Its director, Cameron Crowe, just published the entire 5,000-word mission statement he wrote for his crisis-hit sports …

How to Format a Claims Letter

How do you format a claims letter? Insurance companies seem to be in search of a reliable, reasonable format that will help their letters achieve a consistent, easy-to-read “look.” The following are some tips on gaining consistency in a business …

For Auto Liability Coverage to Attach to ‘Borrowed’ Vehicle, Transaction Must Satisfy Commonsense Meaning of That Term

In an insurance dispute spanning two states, and applying Kentucky law, the Sixth Circuit U.S. Court of Appeals, over a spirited dissent, held there was no coverage for an accident in Los Angeles. The reason: The Mercedes-Benz driven by Davida …

What Spell Checks Don’t Check

The first spell-check system was developed by a group of six linguists from Georgetown University in the late 1970s for the mainframe computers produced by IBM corporation. If, however, you think that Microsoft Word’s Spell Check will alert you to …

Property Insurer Liable for Shortfall in Policy Benefits Promised by Agent, Due to Unexplained Effect of Coinsurance Clause

A Florida state Court of Appeal reversed the dismissal of a claim for negligent procurement of property insurance, because, when placing the coverage, the insurer’s agent failed to account for a reduction in insurance loss proceeds caused by operation of …

Breaking the Rules of Writing

In almost every writing skills seminar, there comes a moment in which a participant finds that one of the notions about writing that he or she has held since elementary school is either no longer valid or is dead wrong. …

Imputed Contributory Negligence: Maximizing Auto Property Subrogation When Permissive User Driving

Effective auto property subrogation may seem simple, but it often requires a thorough understanding of some of the more confusing legal concepts known to American civil jurisprudence. When your insured (owner of a vehicle) entrusts his or her vehicle to …

Comments on the Comma

By far, the trickiest punctuation mark in claims writing is the comma. There are eight comma rules, which we didn’t enjoy in high school, and knowing them will give a boost to every letter you write. Every day, thousands of …

7 Tips on Planning, Structuring and Writing Best Practices Guidelines

Not long ago, a judge decided a bad faith lawsuit in favor of a plaintiff because the lack of a timely settlement could be traced back to the carrier’s not having any written claims procedures or guidelines in place. The …

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