Bodily Injury Claims Adjuster

Thinking About Improving Your Claims Skills ....  

ICC Provides Online Courses In  Bodily  Injury Claims, Specifically Designed For

 Claims Adjusters, Supervisors, Managers

And  Manufacturer Risk Managers    

 The course is designed to take 13  to  26 weeks  to complete; however, the student can work at their own pace depending on their work  schedule.    

 COURSE OUTLINE

chapter  1  How Insurance Companies  Process Claims

Chapter 22  What are  The elements of Bad faith

Sample  Examination

INSURANCE CLAIMS  EXAMINATION

 EXAM 1  

1.  You are the adjuster and have just received  a bodily injury claim from your supervisor. The facts are as such. Mrs. Salazar was a passenger in a 1987 Toyota Cressida driven by her husband, Ezequiel Salazar.  The Toyota was northbound on US highway 50/83 in the right lane traveling at approximately 50 mph. The posted speed limited on US highway is 55 mph.  As the Salazar vehicle proceeded northbound, Christopher Jones, driving a Mazda, eastbound on Schulman Street, ran the stop sign striking the Mr. Salazar's vehicle.  Mr. Jones asserts his brakes had failed as a defense. The damage to the Salazar vehicle presents clear evidence that Mr. Jones was traveling at an excessive speed. 

 The force of impact caused significant left front end damage generating enough forced of energy to rotate the Salazar's vehicle counterclockwise 180 degree and while at the same time shoving the vehicle approximately 60-ft. in a northeasterly direction.  

Mrs. Salazar was not wearing her seat belt and sustained injuries to her knee, right shoulder, neck and head. At the time of the accident, Mrs. Salazar knees hit the dash as she was thrown forward from the impact. Mrs. Salazar has had surgery on this knee before as a result of a slip and fall in a Wal- Mart Store, which may have been aggravated as a result of Mr. Jones striking the vehicle that Mrs. Salazar was a passenger. Mrs. Salazar may have to have surgery again. She is now undergoing rehabilitation therapy.

Mr. Salazar was arrested because he had alcohol on his breath according to the investigating officer. This is all the information we have at this time.     

 EXAMINATION 1

 Question 1

a.  Discuss  and define  ALL  theories of Negligence  on the part of

1.      Mr. Salazar

2.      Mr.  Jones

3.      The Mazda  Manufacturer   

 Question 2

a. . What is Risk Utility and how would Mazda use this as a defense?

 Question 3.

 How would “ Sight and Aggravated  Negligence”  be attributed to   the following if any?

1. Mr. Salazar
2. Mr. Jones
3. The Mazda Manufacturer./ or repair shop .

Question 4.  Define what is a motion for a Direct Verdict?  Provide an example  how it could be used  based on  this accident .

Question 5.  Define RES ISPA LOQUITER   and how would it relate to Mr. Jones and the manufacturer, if any? .    

 Question 6.  Define Exclusive Control Rule  and how can, if any,  it apply to the Mazda manufacturer?  

Question 7.  Define  “But For Cause” pg. 414.  Could Mr. Salazar’s drinking be attributed to this rule. .if yes , why ? if no, why not?    

Question 8.  Discuss the theory of joint and several liability and how this will affect Mrs. Salazar’s recovery from Mr. Jones. Pg. 422.

Question 9.  Mr. Jones’s insurance company wants to assert the seat belt rule as a defense.    Discuss the insurance company’s argument that may apply.   Chapter 11 

Question 10. What theory can Mr. Jones’s insurance company assert on Mrs. Salazar for riding in the vehicle knowing Mr. Salazar had been drinking.  

Legal Notice ******

ICC courses are designed  to sharpen an adjuster's skills in Bodily Injury  adjusting and to train adjusters to handle claims in other areas, such as: Product  liability, Medical Malpractice, Marine,  Aviation ,  Workers Compensation  and Hospital Risk Management . ICC courses are not accredited with any academic institution.   If you are wanting college credit, ICC will submit  a course outline to your  university for you. ICC has no control if your university will allow transferable credits.  For those states that require continuing education for  adjusters and insurance agents,  Continuing Education maybe available for Insurance agents and adjusters.  Call ICC for more information.    

 

	START		ORGANIZATIONS
	INTRODUCTION		TYPE OF SERVICES
	PERSONNEL		SEMINARS
	RESPONSE FORM		RISK PROFILE
	EMPLOYMENT		CLAIMS QUESTION ?
	END		LINKS UNDER ICC

 

Insurance Claims Consultants

(316) 683-0170 fax (316) 683-0194 P.O. Box 8873 Wichita, KS 67208-8873 Click here to email us

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