CLAIMS PROCEDURES by 3pWS7hv

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									  CLAIMS PROCEDURES
          What To Do After A Loss




                            Prepared By:




               J. Smith Lanier & Company
                            PO Box 80707
                       Atlanta, GA 30366-0707
          11330 Lakefield Drive, Suite 100, Duluth, GA 30097
Phone: 770-476-1770 / Toll Free: 1-800-226-4516 / Fax: 770-476-3651
                 WHEN A LOSS OCCURS




The purpose of this guide is to provide you with information that will
assist you in the handling of your insurance claims. You’ll learn examples
of things to do in case your business suffers a loss or is faced with a
liability claim. To get the most out of the information provided here, read
through this guide now and keep it handy for reference.
                           CORPORATE CLAIMS SERVICES
                             J. Smith Lanier & Company
                                             PO Box 80707
                                        Atlanta, GA 30366-0707
                           11330 Lakefield Drive, Suite 100, Duluth, GA 30097
                   Phone: 770-476-1770 / Toll Free: 1-800-226-4516 / Fax: 770-476-3651




                      Your Account Service Team
                                                                                    Phone#:

Cynthia Hale                                                                    (770) 814-4534
Claims Analyst
Email: chale@jsmithlanier.com


David Beckwith                                                                  (404) 939-2140
Claims Service Coordinator
Email: dbeckwith@jsmithlanier.com


Jerry D. Hedgepeth, ARM, CIC                                                      (770) 814-4535
VP of Claims                                                                      (800) 226-4516
Email: jhedgepeth@jsmithlanier.com


Chris Wilson                                                                    (770) 814-4577
Hospitality & Real Estate Practice Leader
Email: cwilson@jsmithlanier.com


Chris Bolt                                                                      (770) 814-4548
Senior Account Executive, Hospitality & Real Estate Practice
Email: cbolt@jsmithlanier.com


Janet Tomes                                                                     (770) 814-4547
Senior Account Manager, Hospitality & Real Estate Practice
Email: jtomes@jsmithlanier.com
                             CORPORATE CLAIMS SERVICES
                               J. Smith Lanier & Company
                                               PO Box 80707
                                          Atlanta, GA 30366-0707
                             11330 Lakefield Drive, Suite 100, Duluth, GA 30097
                     Phone: 770-476-1770 / Toll Free: 1-800-226-4516 / Fax: 770-476-3651




                                     Coverage Summary


AUTOMOBILE – ALL OTHER STATES

Carrier:                                             Chubb Insurance
Policy Number:                                       7355-94-27
Effective Date:                                      11/1/11 to 11/1/12
* Report claims direct to Chubb via email, telephone or fax per the enclosed instructions.

AUTOMOBILE - VIRGINIA

Carrier:                                           Chubb Insurance
Policy Number:                                     7355-94-28
Effective Date:                                    11/1/11 to 11/1/12
* Report claims direct to Chubb via email, telephone or fax per the enclosed instructions.

GENERAL LIABILITY

Carrier:                                           Chubb Insurance
Policy Number:                                     9947-60-47
Effective Date:                                    11/1/11 to 11/1/12
* Report claims direct to Chubb via email, telephone or fax per the enclosed instructions.

CRIME

Carrier:                                               Travelers
Policy Number:                                         105362268
Effective Date:                                        11/1/11 to 11/1/12
* Report all Crime claims to Cynthia E. Hale,J . Smith Lanier & Company via fax to (770) 622-
7236 or telephone at 770-814-4534 or email chale@jsmithlanier.com. Crime Coverage
covers loss by theft of employees of monies, securities or other property from the hotel. Guest
claims should be reported under the General Liability Form to Chubb.
Chubb Automobile Claims Reporting
          Procedures




                  J. Smith Lanier & Company
                               PO Box 80707
                          Atlanta, GA 30366-0707
             11330 Lakefield Drive, Suite 100, Duluth, GA 30097
   Phone: 770-476-1770 / Toll Free: 1-800-226-4516 / Fax: 770-476-3651
                   CHUBB SERVICES CORPORATION

      2000 West Park Drive, Suite 200, Westborough Office Park, Westborough, Massachusetts 01581-3957
                             Phone: (508) 898-2777  Facsimile: (508) 898-3623




Chubb Services Corporation is please to offer internet reporting in addition to our other loss reporting
tools.

Clients of Chubb Services can now report losses, 24/7 via the internet by accessing the Chubb services
web page:

                                      www.chubbservices.com

Once you access the Chubb Services web page, click on the words, “to report a loss” and enter the
necessary fields in the loss notice form for the claim you are reporting. To ensure integrity of the data and
to meet state requirements, we encourage you to complete the entire first report form. All documents,
such as internal accident investigation material, medical bills, disability notes, etc. should be faxed to the
claim adjuster assigned to the loss.

Once you complete the 6 step process, you will be provided confirmation that the loss was submitted. An
electronic acknowledgement will be sent back to you to confirm your report.

A Customer Service Representative will complete a First Report of Injury or ACCORD and forward the
document to the appropriate state or jurisdictional claim office.

This method of reporting a loss can be used to report all Workers’ Compensation, General Liability,
Automobile and Product Liability claims.

If you believe your claim requires emergency notification, please call the following Customer Service
phone number to speak to a representative.

                                              1-800-517-2270

This new Internet reporting capability is in addition to the other reporting methods we offer:

                                  A toll free number: 1-800-517-2270

                                  A toll free fax line: 1-866-822-6623

                                  E-Mail internet: csc-claims@chubb.com
                   Chubb Services Corporation
           Claim Reporting and Management Procedures
                       Automobile Liability

                    Reporting a Automobile Liability Claim

In today’s litigious environment, companies must be ready to defend their products,
services and actions. This can be a very frustrating because, many times, companies
are not at all responsible, yet brought into litigation due to their deep pockets.
Allegations alone can cripple a company’s reputation and profits. Risk Managers are
challenged to proactively manage the liability exposures faced by their companies.

Any technique that controls the cost of a claim and improves an organization’s bottom
line should be considered in a well-constructed risk management program. One such
technique is prompt claims reporting. Early reporting allows for timely contact with the
injured party, all witnesses and helps to preserve necessary evidence, soon after the
loss occurred.

Chubb Services employs an “Aggressive Early Intervention” technique. This program is
designed to be proactive instead of reactive. We have learned that delayed contact
and insufficient information slows investigation, raises the injured parties’ anxiety and
results in attorney representation. Accordingly, once a loss is reported to us, we make
contact with the client, injured party and any witnesses within 24 hours, complete an in-
depth investigation and evaluate the injuries/damages and the potential liability of our
client. These tools help to protect our client’s interests and established a rapport and
comfort level with the injured party, reduces attorney representation and if an attorney is
involved, allows us to work to resolve the case as quickly, cost effectively and
appropriately.

For these reasons, it is important that every accident be reported promptly.

Please remember that all losses should be reported to Chubb Services
regardless of the severity, as soon as practical. Report all losses, even if
they do not result in any medical treatment. Let us decide if the incident
requires any additional handling on our part.

If a claim is reported as a Record Only incident, please advise us when
initially reporting the loss.
            Chubb Services Corporation
    Claim Reporting and Management Procedures
                Automobile Liability
                     Claim Reporting Process

Follow these steps in the event of an accident:

1. Prepare the Automobile Liability Claim Worksheet

Use the enclosed claim worksheets as a reference for collecting detail. It is not
necessary to write in answers to questions that you know, when you are calling
in a claim.

2. Call our Toll-Free Number (800 ) 517-2270 (24 hours a day - 7 days a
   week)
   Fax to our Toll-Free Number (866) 822-6623
   Send the loss to our E-Mail address:    csc-claims@chubb.com

We also offer internet claim reporting. To report a claim via the internet,
simply access our website at, www.chubbservices.com and click on
“Report A Loss”. Follow the simple steps by completing all the necessary
information and your claim will be processed. You will receive an
acknowledgement that the claim was submitted once you have completed
the loss notice information.

Our Chubb Services Customer Service Representative will complete the
ACCORD form over the telephone, contact our claim representative, and
distribute the form for you. You will receive a copy of the completed form, if
requested. Please ensure that you advise the Customer Service Representative
when an incident is being reporting as a Record Only claim.

3. Follow up

The Customer Service Representative will provide you with the claim number
and the location and telephone number of the claim office responsible for your
claim. Use your claim number in future correspondence or conversations with
the Chubb Services Claim Representative. Correspondence should be mailed to
the designated service location.

Within 24 hours, our Claim Representative will contact you, the injured party and
initiate a through investigation.

4. Documentation

Copies of the ACCORD form will be forwarded to the caller or any other
designated party. We will ask you, at the end of the call, who wants to receive a
copy of the report. Please advise us accordingly.
                    Chubb Services Corporation
            Claim Reporting and Management Procedures
                        Automobile Liability


                       Investigation and Follow Through

From the outset of a Liability claim, your Chubb Services Representative will be in
regular contact with you, the injured party and any attorneys or third parties who may be
involved. We will work to ensure the allegations are thoroughly investigated and
potential liability and damages are assessed. If appropriate, we will reach a satisfactory
resolution in the shortest possible time and with the least demand on you and your
personnel.

Initial Contact

Once claim is received, your Chubb Services Claim Representative will make contact
with the appropriate parties and conduct initial investigation within 24 hours.

       1. Injured Party
           Prior injuries/litigation;
           Obtain facts of the case
           Identify third party potential;
           Obtain medical and wage authorization
           Identify injuries and damages
           Determine if loss facts are consistent with client’s version
           Order an inspection of the damaged vehicle
           Chubb Services Claim Representative will explain the claim process

       2. Client
           Obtain facts of the incident
           Identify witnesses
           Document facts of case and obtain reports, leases or contracts that apply
           Identify any previous accidents, injuries, and claims
           Develop any extenuating circumstances which may impact the case

CIB Check

We complete a profile of the particular incident and process this information through the
Central Index Bureau. This service provides us with a history of any incidents that the
injured party was ever involved in. It gives us information on past injuries and treatment
and helps to control potential fraud.
Upon completion of investigation, a Chubb Services Representative will:

           Evaluate future exposure of claim, liability and damages, and set appropriate
            reserves.
           Initial reserves are set to forecast the ultimate pay out on a claim.
           Develop a “Plan of Action” for the quick and appropriate resolution or defense
            of the case.

Claim Management

Files are reviewed on the average of every 30 days. Which include the following:

           Monitor medical treatment through continuously communicating with the
            injured party.
           Maintain contact with client throughout claim.
           Develop “Plan of Action” after each diary review.
           Continuously evaluate the allegations and exposure to proceed toward the
            prompt disposition or defense of the case.

Accident Scene Investigation

In order to protect your company’s interests and fully understand the case, it may be
necessary for Chubb Services to conduct an on-site investigation. We may have to
interview people personally or over the telephone and record their statements.

                                      Litigation
While it rarely occurs, someone from your company may have to testify in your firm’s
behalf at a legal proceeding. If this becomes necessary, we will give you as much
advance notice as possible.

Law Suits

A lawsuit is a legal document filed with the state or local court requesting the court to
make a determination on the liability and damages of the injured party.

In the event that you receive any legal documents such as a lawsuit or notice of
representation, please notify Chubb Services immediately by telephone and fax or mail
us your paperwork the same day.


Our claim personnel are totally committed to customer satisfaction and reducing loss
costs. With your assistance, we will respond to claims quickly, investigate them
thoroughly, and follow them to conclusion -- to your satisfaction.
Chubb General Liability Claims Reporting
              Procedures




                     J. Smith Lanier & Company
                                  PO Box 80707
                             Atlanta, GA 30366-0707
                11330 Lakefield Drive, Suite 100, Duluth, GA 30097
      Phone: 770-476-1770 / Toll Free: 1-800-226-4516 / Fax: 770-476-3651
                   CHUBB SERVICES CORPORATION

      2000 West Park Drive, Suite 200, Westborough Office Park, Westborough, Massachusetts 01581-3957
                             Phone: (508) 898-2777  Facsimile: (508) 898-3623




Chubb Services Corporation is please to offer internet reporting in addition to our other loss reporting
tools.

Clients of Chubb Services can now report losses, 24/7 via the internet by accessing the Chubb services
web page:

                                      www.chubbservices.com

Once you access the Chubb Services web page, click on the words, “to report a loss” and enter the
necessary fields in the loss notice form for the claim you are reporting. To ensure integrity of the data and
to meet state requirements, we encourage you to complete the entire first report form. All documents,
such as internal accident investigation material, medical bills, disability notes, etc. should be faxed to the
claim adjuster assigned to the loss.

Once you complete the 6 step process, you will be provided confirmation that the loss was submitted. An
electronic acknowledgement will be sent back to you to confirm your report.

A Customer Service Representative will complete a First Report of Injury or ACCORD and forward the
document to the appropriate state or jurisdictional claim office.

This method of reporting a loss can be used to report all Workers’ Compensation, General Liability,
Automobile and Product Liability claims.

If you believe your claim requires emergency notification, please call the following Customer Service
phone number to speak to a representative.

                                              1-800-517-2270

This new Internet reporting capability is in addition to the other reporting methods we offer:

                                  A toll free number: 1-800-517-2270

                                  A toll free fax line: 1-866-822-6623

                                  E-Mail internet: csc-claims@chubb.com
                   Chubb Services Corporation
           Claim Reporting and Management Procedures
                         General Liability

                      Reporting a General Liability Claim

In today’s litigious environment, companies must be ready to defend their products,
services and actions. This can be a very frustrating because, many times, companies
are not at all responsible, yet brought into litigation due to their deep pockets.
Allegations alone can cripple a company’s reputation and profits. Risk Managers are
challenged to proactively manage the liability exposures faced by their companies.

Any technique that controls the cost of a claim and improves an organization’s bottom
line should be considered in a well-constructed risk management program. One such
technique is prompt claims reporting. Early reporting allows for timely contact with the
injured party, all witnesses and helps to preserve necessary evidence, soon after the
loss occurred.

Chubb Services employs an “Aggressive Early Intervention” technique. This program is
designed to be proactive instead of reactive. We have learned that delayed contact
and insufficient information slows investigation, raises the injured parties’ anxiety and
results in attorney representation. Accordingly, once a loss is reported to us, we make
contact with the client, injured party and any witnesses within 24 hours, complete an in-
depth investigation and evaluate the injuries/damages and the potential liability of our
client. These tools help to protect our client’s interests and established a rapport and
comfort level with the injured party, reduces attorney representation and if an attorney is
involved, allows us to work to resolve the case as quickly, cost effectively and
appropriately.

For these reasons, it is important that every accident be reported promptly.

Please remember that all losses should be reported to Chubb Services
regardless of the severity, as soon as practical. Report all losses, even if
they do not result in any medical treatment. Let us decide if the incident
requires any additional handling on our part.
            Chubb Services Corporation
    Claim Reporting and Management Procedures
                  General Liability

                     Claim Reporting Process

Follow these steps in the event of an accident:

4. Prepare the General Liability Claim Worksheet

Use the enclosed claim worksheets as a reference for collecting detail. It is not
necessary to write in answers to questions that you know, when you are calling
in a claim.

5. Call our Toll-Free Number (800 ) 517-2270 (24 hours a day - 7 days a
   week)
   Fax to our Toll-Free Number (866) 822-6623
   Send the loss to our E-Mail address:    csc-claims@chubb.com

We also offer internet claim reporting. To report a claim via the internet,
simply access our website at, www.chubbservices.com and click on
“Report A Loss”. Follow the simple steps by completing all the necessary
information and your claim will be processed. You will receive an
acknowledgement that the claim was submitted once you have completed
the loss notice information.

Our Chubb Services Customer Service Representative will complete the
ACCORD form over the telephone, contact our claim representative, and
distribute the form for you. You will receive a copy of the completed form, if
requested.

6. Follow up

The Customer Service Representative will provide you with the claim number
and the location and telephone number of the claim office responsible for your
claim. Use your claim number in future correspondence or conversations with
the Chubb Services Claim Representative. Correspondence should be mailed to
the designated service location.

Within 24 hours, our Claim Representative will contact you, the injured party and
initiate a through investigation.

4. Documentation

Copies of the ACCORD form will be forwarded to the caller or any other
designated party. We will ask you, at the end of the call, who wants to receive a
copy of the report. Please advise us accordingly.
                    Chubb Services Corporation
            Claim Reporting and Management Procedures
                          General Liability


                       Investigation and Follow Through

From the outset of a Liability claim, your Chubb Services Representative will be in
regular contact with you, the injured party and any attorneys or third parties who may be
involved. We will work to ensure the allegations are thoroughly investigated and
potential liability and damages are assessed. If appropriate, we will reach a satisfactory
resolution in the shortest possible time and with the least demand on you and your
personnel.

Initial Contact

Once claim is received, your Chubb Services Claim Representative will make contact
with the appropriate parties and conduct initial investigation within 24 hours.

       3. Injured Party
           Prior injuries/litigation;
           Obtain facts of the case
           Identify third party potential;
           Obtain medical and wage authorization
           Identify injuries and damages
           Determine if loss facts are consistent with client’s version
           Order an inspection of the damaged vehicle
           Chubb Services Claim Representative will explain the claim process

       4. Client
           Obtain facts of the incident
           Identify witnesses
           Document facts of case and obtain reports, leases or contracts that apply
           Identify any previous accidents, injuries, and claims
           Develop any extenuating circumstances which may impact the case

CIB Check

We complete a profile of the particular incident and process this information through the
Central Index Bureau. This service provides us with a history of any incidents that the
injured party was ever involved in. It gives us information on past injuries and treatment
and helps to control potential fraud.
Upon completion of investigation, a Chubb Services Representative will:

           Evaluate future exposure of claim, liability and damages, and set appropriate
            reserves.
           Initial reserves are set to forecast the ultimate pay out on a claim.
           Develop a “Plan of Action” for the quick and appropriate resolution or defense
            of the case.

Claim Management

Files are reviewed on the average of every 30 days. Which include the following:

           Monitor medical treatment through continuously communicating with the
            injured party.
           Maintain contact with client throughout claim.
           Develop “Plan of Action” after each diary review.
           Continuously evaluate the allegations and exposure to proceed toward the
            prompt disposition or defense of the case.

Accident Scene Investigation

In order to protect your company’s interests and fully understand the case, it may be
necessary for Chubb Services to conduct an on-site investigation. We may have to
interview people personally or over the telephone and record their statements.

                                      Litigation
While it rarely occurs, someone from your company may have to testify in your firm’s
behalf at a legal proceeding. If this becomes necessary, we will give you as much
advance notice as possible.

Law Suits

A lawsuit is a legal document filed with the state or local court requesting the court to
make a determination on the liability and damages of the injured party.

In the event that you receive any legal documents such as a lawsuit or notice of
representation, please notify Chubb Services immediately by telephone and fax or mail
us your paperwork the same day.


Our claim personnel are totally committed to customer satisfaction and reducing loss
costs. With your assistance, we will respond to claims quickly, investigate them
thoroughly, and follow them to conclusion -- to your satisfaction.
Crime Claims Reporting Form




                J. Smith Lanier & Company
                             PO Box 80707
                        Atlanta, GA 30366-0707
           11330 Lakefield Drive, Suite 100, Duluth, GA 30097
 Phone: 770-476-1770 / Toll Free: 1-800-226-4516 / Fax: 770-476-3651
                    CRIME CLAIM REPORTING FORM
       Crime Coverage covers loss by theft of employees of monies, securities or
      other property from the Hotel. Guest claims should be reported under the
                              General Liability Form


 Company Name:

 Date of Loss:

 Contact name & number:

 Location of Loss (Street, City, State):

 Authority Contacted:

 Description of loss:




 Police Notified:


 Police Report number:




 Report completed by:

 Date of report:


Fax to Cynthia E. Hale, J. Smith Lanier & Company at (770) 622-7236. You may also email this
completed form to: chale@jsmithlanier.com.

								
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