The Adjuster & Good Faith Claims Handling
A Video Explaining How to Avoid Charges of Bad Faith Claims Handling
Read the full article at https://www.linkedin.com/pulse/adjuster-good-faith-claims-handling-barry-zalma-esq-cfe and see the full video at https://youtu.be/fbQDfOb5-L0 and at https://rumble.com/zalma and at https://zalma.com/blog plus more than 3850 posts.
The basic test in bad faith cases is whether the insurer has unreasonably and “without proper cause” refused to compensate the insured for a loss covered by the policy. [Gruenberg v. Aetna Insurance Co., 9 Cal. 3d 566, 108 Cal. Rptr. 480].
The adjuster should not attempt to adjust a claim, or even contact an insured, until he or she knows everything necessary to protect the rights of the insurer without doing anything to injure the right of the insured to receive the benefits of the policy. This means the adjuster must have thoroughly reviewed the wording of the insurance policy, the application for insurance, and the loss notice. The adjuster must then, begin to investigate all claims fully and thoroughly.
Charges of “bad faith” can be eliminated by adjusting all claims in a detailed and fundamentally sound manner.
People insure themselves for peace of mind and security. To protect these interests it is essential that an insurer fully inquire into the possible bases that might support the insured’s claim and act promptly. [Kanne v. Connecticut General, 607 F. Supp. 899 (C.D. Cal., 1985).]
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