{"id":902949,"date":"2024-07-03T15:18:17","date_gmt":"2024-07-03T21:18:17","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=902949"},"modified":"2024-07-03T15:18:38","modified_gmt":"2024-07-03T21:18:38","slug":"let-good-adjusters-not-expensive-lawyers-make-the-difference-on-claims-ceo-says","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/let-good-adjusters-not-expensive-lawyers-make-the-difference-on-claims-ceo-says\/","title":{"rendered":"Let Good Adjusters, Not Expensive Lawyers, Make the Difference on Claims, CEO Says"},"content":{"rendered":"\n

William Rabb | Claims Journal<\/a><\/p>\n\n\n\n

Harish Kapur, CEO of Across America Insurance Services, likes to tell the story of how his company\u2019s chief defense lawyer became fed up with Kapur\u2019s frequent requests for lower settlements on claims disputes.<\/p>\n\n\n\n

\u201cHe fired us. He literally fired us,\u201d Kapur said. \u201cHe said, \u2018The way you do things, I\u2019m not going to do it.’\u201d<\/p>\n\n\n\n

The attorney last November had urged the insurance company to settle an accident claim for almost $1.2 million. But Across America, a managing general agent that writes coverage for commercial transportation and trucking \u2013 enterprises that are frequent targets of plaintiffs\u2019 lawyers \u2013 did things Kapur\u2019s way.<\/p>\n\n\n\n

The company settled the claim for $190,000. Kapur sent a nice note to his former lawyer, gloating about the cost savings.<\/p>\n\n\n\n

The episode epitomizes what Across America officials say is an unorthodox but better way to run an insurance company: Instead of immediately turning claims disputes over to lawyers, as he believes many property and auto insurers do, the Riverside, California-based company relies on a crack team of in-house adjusters \u2013 some of whom have no background in claims management. They perform a deep dive on claims and claimants.<\/p>\n\n\n\n

\"\"
Kapur<\/figcaption><\/figure>\n\n\n\n

Kapur has found that plaintiffs often aren\u2019t as well prepared as they profess to be, and will settle for smaller amounts.<\/p>\n\n\n\n

\u201cYour adjusters need to know the ins and outs of every file and use common sense,\u201d Kapur said. \u201cOur adjusters have to know everything about the file.\u201d<\/p>\n\n\n\n

Across America has the numbers to back up its philosophy. After the company dismissed its third-party claims administrator firm and developed its own multi-step approach, the average claim payout dropped from $29,000 in 2020 to about $5,700 this year. Attorney fees went from about $5,400 per file to \u2026 wait for it \u2026 $349, according to company data.<\/p>\n\n\n\n

\u201cA lot of it is, the attorneys and TPAs, they want to spend like it\u2019s not their money, because it\u2019s not,\u201d said Chief Operating Officer Tim Kane, based in St. Petersburg, Florida. \u201cWhen it\u2019s not your money, it\u2019s easy to pay $500,000 on a claim when it should really cost you only $50,000 or $100,000.\u201d<\/p>\n\n\n\n

The company writes in most states on a non-admitted basis, giving it more freedom to cancel policies and limit costs. But it also puts a big emphasis on closing bodily injury claims as quickly as possible. When the previous claims management firm was handling matters, the 30-day closure rate was just 4%. Now it\u2019s up to 51%, company data show. The firm\u2019s loss ratio is about 40% this year, so low that some reinsurance providers have doubted the veracity of the numbers, Kane said.<\/p>\n\n\n\n

Some larger insurers, particularly those in Florida, where litigation expenses have been a huge drag on carrier profits in recent years, might point out that Across America is small \u2013 insuring just about 3,000 trucking firms and 30,000 vehicles around the country. Florida\u2019s largest private property insurer, Universal Property & Casualty Insurance, by contrast, had more than 820,000 policies in force and more than 9,000 lawsuits pending at the end of last year.<\/p>\n\n\n\n

Attorneys on both sides have said that Universal\u2019s staff has appeared to be almost overwhelmed with claims and litigation matters in the last few years.<\/p>\n\n\n\n

\"\"
Kane<\/figcaption><\/figure>\n\n\n\n

But Kapur argues that his firm still handles lots of claims \u2013 some 1,600 in a two-year period, many of them from lawsuit-happy Florida. He believes his anti-litigation approach is scalable, and insurers large and small should take note.<\/p>\n\n\n\n

\u201cDo we litigate? Yes, absolutely. We\u2019re ready to fight, when we have to,\u201d Kapur said. \u201cBut if you know your case and know your file, a lot of times, they don\u2019t want to go to trial.\u201d<\/p>\n\n\n\n

The story of how Across America developed its business model began in the 1990s. Kapur grew up in India and moved to the United States when his father, a mechanical engineering professor, accepted a job offer. By 1996, Kapur and his wife Rajni, a CPA by training, were operating a Farmers Insurance agency. In 2003, they launched their own independent agency specializing in commercial coverage. Twelve years later, the couple launched Across America as an MGA, wholesale brokerage and fronting company.<\/p>\n\n\n\n

For the first few years, Across America utilized a TPA claims firm that Kapur declined to name. Unsatisfied with the slow speed of claims closure and the large payouts on claims, he switched to another TPA. Finally, in 2020, Harish Kapur decided to bring it all in-house and created All American Claims Solutions.<\/p>\n\n\n\n

After a while, the CEO moved his desk into the claims department, getting knee deep in the process. For almost two months, Kapur and Kane worked, sometimes at Kapur\u2019s kitchen table, to completely revamp the claims system and devise a checklist-driven process for adjusters to use in investigating claims.<\/p>\n\n\n\n

They found out that the process of producing a better process is never ending.<\/p>\n\n\n\n

\u201cWe built it for a month, then we refined, refined, refined,\u201d said Kane, a former insurance consultant, business analyst and information technology director. \u201cThat\u2019s what you have to do. Bigger companies usually want a beginning and end to a project. But that\u2019s not the way it really works. You have to keep coming back around to it and looking at it again and again.\u201d<\/p>\n\n\n\n

Kapur admits that the focus on adjusting means that good adjusters are paramount. But finding top-notch adjusters can be difficult. He said he\u2019s discovered that people with little or no experience in the field are easier to train and bring fresh ideas to the table. Kanwarpreet Gill, assistant vice president for claims, was flipping burgers at a Shake Shack when Kapur recruited him for the insurance business.<\/p>\n\n\n\n

Gill, who has a finance degree from the University of California-Riverside, has proven to be a strong negotiator on settlements.<\/p>\n\n\n\n

\u201cHe can sit there in a mediation and make an attorney go get a glass of water because the attorney doesn\u2019t know how to respond,\u201d Kapur said.<\/p>\n\n\n\n

And almost all staffers work in the office. Few work from home, a rule that contributes to collaboration and a team approach, he noted. The firm, with 85 employees total, has about 20 claims professionals.<\/p>\n\n\n\n

Across America also has nurses on staff to review medical bills and gauge if future development is being exaggerated by claimants. A former body-shop estimator checks damage claims to see if estimated repair time has been fudged.<\/p>\n\n\n\n

The insurer uses other methods that are tried and true in the industry: On one claim, an accident victim said she had been immobilized and depressed by the crash with a big truck. But her posting on TikTok showed her dancing on her kitchen counter and then blaming her angst on her father and her divorce.<\/p>\n\n\n\n

Another trick: Get the insured involved. Fleet safety managers know the condition of the vehicle. And truck drivers are often the first to see the extent of the other parties\u2019 injuries. If the victim is walking around after a collision, it could mean the injury is less than severe, Kapur and Kane noted.<\/p>\n\n\n\n

Adjusters, not lawyers, make it work, they insist.<\/p>\n\n\n\n

\u201cWhy can\u2019t adjusters get medical records? Why does it need to be an attorney doing that?\u201d Kapur said.<\/p>\n\n\n\n

\n\n\n\n

When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes – please call Advise & Consult, Inc. at 888.684.8305, or email experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

William Rabb | Claims Journal Harish Kapur, CEO of Across America Insurance Services, likes to tell the story of how his company\u2019s chief defense lawyer became fed up with Kapur\u2019s frequent requests for lower settlements on claims disputes. \u201cHe fired us. He literally fired us,\u201d Kapur said. \u201cHe said, \u2018The way you do things, I\u2019m… Continue reading Let Good Adjusters, Not Expensive Lawyers, Make the Difference on Claims, CEO Says<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14],"tags":[],"class_list":["post-902949","post","type-post","status-publish","format-standard","hentry","category-construction-2","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nLet Good Adjusters, Not Expensive Lawyers, Make the Difference on Claims, CEO Says - Advise & Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/let-good-adjusters-not-expensive-lawyers-make-the-difference-on-claims-ceo-says\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Let Good Adjusters, Not Expensive Lawyers, Make the Difference on Claims, CEO Says - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"William Rabb | Claims Journal Harish Kapur, CEO of Across America Insurance Services, likes to tell the story of how his company\u2019s chief defense lawyer became fed up with Kapur\u2019s frequent requests for lower settlements on claims disputes. \u201cHe fired us. 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