Case Study: A Duplicate Claim and the Fraud Review That Followed
Two claims for one collision, a mismatched repair invoice and a referral to the state fraud bureau. How duplicate claims get caught.
Case Study: The Regular-Use Exclusion and a $12,400 Denial
Six months of weekend borrowing turned a covered claim into a denial. What the insurer examined, and how the exclusion is tested…
Case Study: An Out-of-State Crash on a Non-Owner Policy
A collision 900 miles from home: which state’s rules applied, why the limits changed at the border and how the claim was…
Case Study: A Delivery-App Crash and a Denied Claim
Logged into a delivery app at the time of the crash: why the non-owner policy denied $18,000 in liability and what endorsement…
Case Study: Rental Damage, a Damage Waiver and a $2,300 Bill
Who pays when a rental is damaged and the driver has no physical damage coverage? A $2,300 repair, a declined waiver and…
Case Study: Hit by an Uninsured Driver — a UM Claim
No insurance on the other side, $46,000 in medical bills and a $50,000 UM limit. How the first-party claim worked and why…
Case Study: Pedestrian Injury at a Crosswalk
A 30/60 policy, a $185,000 hospital bill and two claimants sharing one per-accident limit. How the caps applied and what the driver…
Case Study: Driving a Borrowed Car, Hit a Parked Vehicle
A $7,400 repair, a $25,000 property damage limit and one regular-use exclusion. How this claim was paid — and why the deductible…