A key benefit of an unbundled claim approach is it can provide additional oversight and consultation on complex coverage, severity and catastrophic losses, which can help insureds mitigate loss and ALAE expense. Let’s explore some guidance at the outset of a claim that can be helpful in supporting a defense or reaching a successful settlement.

In large casualty losses, one consideration is the early retention of consultants or experts. Experts can work with authorities conducting official investigations, coordinate Freedom of Information Law requests for access to relevant government records, locate and interview potential witnesses to preserve key testimony as well as obtain visual media evidence to supplement those taken by responding authorities at an accident scene. Consider whether an accident reconstruction expert should be engaged while evidence and witness recollections are fresh and available.