Services: Claims

> Claims Handling Guidelines

• We are accustomed to working claims with special instructions or claim handling guidelines, including authority levels.
• The AMCA Claim Representatives make 24-hour contact with insureds and claimants.
• For emergency or after business hours claims services please call 866-892-1978
• We comply with all "good faith and fair dealing" rules and statutes in all states.
• Our Claim Representatives are licensed in those states where it is required.
• Our Claim Representatives and Supervisors are required to have all claim files on a diary.
• We maintain file notes in our Claim Handling System. The client may have Internet or other access into our system.
• Our Claim Representatives confirm coverage by reviewing the coverage forms in our computer system. Before reserving policy rights or denying coverage we review the entire Underwriting file.
• We have extensive experience in analyzing coverage, preparing reservation of rights and coverage denial letters. We will hire coverage counsel if the Client requests the additional legal research.
• We index each bodily injury claim and provide supplemental information at six-month intervals.
• We utilize a panel of independent material damage appraisers to inspect all vehicles with damage over $3500.
• We may use UnitedEstimatics to review our shop estimates of less than $1600.
• We have two adjusters with material damage estimating training to review shop estimates.
• Our philosophy is to reserve all claims at Actual claim value. We consider all factors such as quality of witnesses, jurisdiction, and applicable negligence law.
• The Claim Representatives prepare a bodily injury evaluation sheet for each bodily injury claim.
• All BI & PD cases with projected reserves of $50,000 or more will be discussed in our weekly Roundtable training session.
• Each new lawsuit is reviewed with our Suit Committee who provides advice and instructions.
• With our national Programs we have developed an excellent panel of independent adjusters and appraisers who take photos, appraise vehicles and carry out our task assignments as instructed, for a reasonable fee.
• The AMCA Claim Representatives have the knowledge and expertise to successfully negotiate all BI and PD claims. While we are tough negotiators we realize the value of a closed claim.
• We have six Claim Representatives with extensive litigation management experience. Our objective is to be a valuable resource and partner on the litigation team.
• We frequently participate in pre-trial settlements and court ordered mediations across the country.
• We often make recommendations to defense counsel in preparing a litigation plan for each case and we work to keep the case moving as outlined in the plan.
• We carefully review all legal invoices for accuracy and to ensure that defense counsel is billing in accordance with approved rates.