NOT A ONE-TRICK PONY

Claimant dreams of insurance-derived wealth can complicate the most simple of claims. It may not be in my own interest to view such dreams with a critical eye, since the carrier’s need for an adjuster in the field Is a common result of an inconsistency between facts and demands.

Trucking accidents seem to generate a disproportionate number of such claimants and so I have dealt with more than a few. In this particular case our insured was clearly liable – he was rolling to a stop at a red light and failed to stop before rear-ending the claimant. The result was minor damage to the rear bumper of claimant’s pickup truck. At the scene the claimant does not seek medical attention or complain of injury.

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Waste Product Troubles on U.S. Roads

It was a morning truck loss call. Started out like many others, two trucks involved, disputed lane change. No injuries reported, but lots of damage. Then I found out the claimant truck was hauling ‘human solid waste’, and it was tipped over. I knew right then that this assignment was going to stink.

When I arrived on scene with my trainee, we immediately spoke to the officer on scene. We obtained his permission to park out of the way and talk to the people involved. We were also given permission to take pictures. I had the trainee take photos of the vehicles, the scene (including what was now escaping from the claimant truck) and get the license plate and VIN information. (Thank heaven for trainees. This one is going to make it – excellent photos despite environmental challenges.)

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How an Adjuster with Super Powers Can Help

Even those in possession of super powers have to sleep. Thus it was that I was in bed at 2 AM when I received a call from a trucking company for whom we regularly work. My immediate on-site response was requested for a red light dispute accident. The party in the adverse vehicle had been transported from the scene to the hospital and our insured driver was adamant that he did not run the red light. Continue reading