How Casualty Claims help to protect your client’s claims experience

We know how important it is for you and your clients to feel confident when a liability or motor bodily injury claim arises. Our strategies, expertise and collaborative approach work together to help protect your client’s claims experience from day one.

How early notification helps us handle your client’s claims

Early notification is key to delivering the best possible outcome for your client. It allows us to assign the right expert from the start, begin gathering crucial evidence immediately, and use our advanced screening tools to identify any signs of a large loss early on. This proactive step is especially important if the claim progresses to litigation.
 

Liability information only - proactive claims management to help reduce future claims risk

• We want to encourage your clients to notify us of potential claims as soon as possible, even if it’s just for awareness
• During the investigation phase, we apply a low-value placeholder, typically a £1 estimate, so we can monitor and manage the claim without inflating reserves unnecessarily

This early engagement helps us protect your client’s premium, so we’re ready to act swiftly if the claim becomes formal and allows us to gather evidence early to safeguard against exaggerated or fraudulent claims.

• Timely and accurate information helps us validate circumstances and maintain integrity throughout the claims process
• Our analytics that flag potential fraud and large-loss indicators before they escalate
   

Know your opponent - protecting client's claims experience

We monitor over 800 opponents of concern to tackle behaviours like injury exaggeration and claims layering, which have emerged in response to whiplash reforms. Tackling the solicitors, medical experts/agencies and rehab providers who work together to artificially inflate the cost of claims by attempting to introduce additional costs, medical reports and treatments which are often unnecessary. 

• We strive to stay ahead of the industry on challenging claims and costs
• We typically pay less on non-tariff injury claims than the industry average and at lower values when we do pay
• Our strategy helps us to protect your client’s premium and pay genuine claims quickly and fairly

Criminal and regulatory prosecution - our approach to defending claims

If criminal or regulatory prosecution arises, we’re with your client from the outset. We engage our legal panel specialists immediately, so your client gets the dedicated support and guidance, right when they need it most.

• We work closely with our panel on a pre-litigation basis, shaping investigations and offers to help achieve the best chance of success and to help protect our customers’ businesses from risk of reputational harm
• Our approach is to defend when it’s the right thing to do, striking the right balance between robust defence, protecting the client’s claims experience and reputation, and paying genuine claims to protect genuine claimants

Industry collaboration, innovative tools and data-driven decisions

Beyond our proactive claims management and defence strategies, our Casualty Claims team actively participates in industry panels, legal forums and Ministry of Justice working groups, working closely with our legal panel to contribute to market discussions and reform initiatives. This collaboration helps us stay ahead of emerging trends and our strategies align with the latest legal developments.

Alongside our specialist knowledge, our teams are supported by smart technology and data-led analytics, helping us manage deadlines, meet key claims milestones, and identify large losses or potential fraud early. This allows us to intervene quickly and protect your client’s reputation.

 

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