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The Gordon Smith Company is an Insurance Claim Consulting company. There are services we provide which do not easily fit into other categories. Some arise out of needs which develop long after the claim file was first created. Some arise during on ongoing investigation and others even after a lawsuit has been filed. A few of these consulting functions include:
Coverage AnalysisAnalyzing facts to determine if coverage exists is not always easy. Often there is a question as to whether an insurance company owes its policyholder a defense to a lawsuit. Sometimes there is a question as to whether the insurance company owes any duty to indemnify the policyholder for losses. These questions are sometimes complicated and require, not only the careful review of the policy, but investigation into the facts as well. Even though your company has other independent adjusters it uses to handle claims, you may find need to build a "Chinese wall" separating the investigation of the coverage issue from the investigation of the liability of the insured to third parties. We can help. Because of the heavy general liability and automobile background of the company and its staff, in depth coverage investigations are nothing new. I've been told by a prominent defense attorney, that The Gordon Smith Company is one of the very few independent adjusting companies which regularly creates "Chinese walls" by carefully separating coverage issues from liability issues by assigning separate portions of the claim file to different adjusters. We frequently recommend to insurance carriers that they hire separate coverage counsel, where litigation is filed and coverage questions exist in order to avoid the obvious conflict of interests which develop. MediationMost court ordered mediations now require that the insurance carrier send to the mediation a representative, other than defense counsel, with authority to settle the claim. If you have no staff adjusters in the vicinity and your regular independent adjuster is not experienced in this area, you may want to consider The Gordon Smith Company as the company's representative. I have attended many mediations on behalf of insurers, most of the time with complete authority to make decisions as to negotiation and settlement. This in the only method of retaining control of what goes on in mediation, since the defense attorney is charged with the responsibility of looking after the interest of the insured, not the insurance company. I can do that for you. ArbitrationIs your company a member of any arbitration agreements? Do you regularly prosecute or defend subrogation cases in arbitration? We have adjusters with experience in attendance at arbitration hearings and serving on arbitration committee. One of our adjusters can serve as your adjuster-representative in arbitration. Covert OperationsWhen the need for discreet activity checks, background investigations and fidelity inquiries arise, consider The Gordon Smith Company for these assignments. We do surveillance, with still and video cameras and we know what to look for. We have enjoyed the favor of being selected by carriers to investigate errant agents, adjusters, body shops and contractors. Fraud and abuse still abound in our business. We can help you find and prove it. |
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