Insurance 101 – Chapter 9 – Volume 116 – Making the Decision to Defend – 2

Making the Decision to Defend – 2

If the adjuster finds, after a thorough investigation, that there is no potential of coverage, he or she must recommend denial of defense and indemnity. If a decision is made to refuse defense or indemnity, the adjuster must be convinced that he or she, on behalf of the insurer, has thoroughly investigated the foundation of its denial. A less-than-thorough investigation may cause the insurer to refuse defense in error and will expose it to claims for extracontractual damages from its insured.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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