THE AFFINITY APPROACH TO CLAIMS MANAGEMENT
At Affinity we recognise that Claims Management is key to managing your risk and indeed your insurance premiums.
We adopt the following approach as part of our standard service to Commercial Clients:
We will establish an individual protocol which will give clear and concise instructions to all concerned. The protocol will include individually designed accident report forms for your defined risk. This system, assures full reporting of all incidents no matter how trivial. Insurers have claims reporting conditions and indemnity can be refused in the case of late or non notifications. It is therefore imperative that a system is in place and monitored regularly.
Every accident that is reported to Affinity is dealt with in an efficient and timely manner. We will look at each incident presented and deal with it accordingly There are times that public relations will resolve an issue and we will make recommendations in this regard. The management of reserves is key when it comes down to the underwriting process. Insurers nominate reserves on both live and potential cases. Affinity negotiate on reserves particularly on cases that only show potential. This is done in such a way that we obtain regular updated information as to developments on any potential cases and we negotiate accordingly. It is our role to alleviate fears that insurers have in an accident progressing to a formal claim. We have achieved in the past major reductions on reserves which reflect your claims experience going forward for presentation to the market.
Affinity will arrange a protocol visit to your premises or each location to cover the protocol with your Managers and/or Senior Personnel. A Questions and Answers session will cover liability insurance in general, the role of a Loss Adjuster and Claims Investigator and will also address questions relative to The Injuries Board which will give your staff an understanding of the steps involved in how a claim progresses.
Affinity will conduct 6 monthly reviews on reserves with Insurers. Affinity understands your business and negotiates reserves with insurers prior to each renewal. Insurers can nominate reserves on potential cases as well as live cases and with updated information relative to the potential cases, we negotiate around these reserves with a view to having same reduced. This improves your overall claims experience prior to presentation to the market.
Affinity will provide 6 monthly trend reports on each location highlighting high risk areas of accidents and making recommendations if necessary. Trends will be identified earlier as necessary.
Affinity will provide 6 monthly claims reports on all live and settled claims. Request for updates on any claim will of course be available on demand.
Affinity will provide a 24 hour telephone service to report any serious accident and/or to obtain advice.
Affinity will handle the runoff years with previous insurers on any case that remains outstanding.
Affinity will attend meetings with Loss Adjusters keeping you informed with up to date information on the progress of any claim.
Affinity will attend any Court Hearing or Legal Consultation as required. We firmly believe that if a case has merit for a full defence that we will make valid contributions to your legal team. It is perhaps easier for legal teams to make what they regard as economical offers to avoid a potential lengthy hearing but Affinity will always act in the best interest of their client. We will consult with you the insured through this entire process and will ensure you are fully involved in any decision making required.
Based upon a complete understanding of each client’s requirements we provide "best advice" solutions in the following areas: