Claims Analysis

In a situation of deteriorating claim results, the claim database need to be analyzed as to whether there is a pattern in the losses. The report may indicate (i) unusual frequency viz., more number of claims than were estimated, or (ii)more severity i.e., more amounts to be paid out than was the expected norms.

Claims Conciliation Committees for Motor

(Settlement of Motor Accident Related Cases through alternative forum) : The legal Services Authorities Act, 1987 provides for organizing of Lok Adalat by the Legal Services Committees at various levels to determine and arrive at a compromise or settlement between parties to a dispute in respect of any case pending before any court for which the Lok Adalat is organized. The Insurance industry has also established Claims Conciliation Committees and Jald Rahat Yojana which enables negotiated settlements. The award by these would not carry any interest. Thus, the settlement through the above enable the companies to save the interest and administration charges.

Claims condition

A condition setting out what the insured has to do in the event of a claim. It covers notice of loss, assistance to the insurer and proofs of loss, and in the case of liability policies there is a control of proceedings clause and a non-admission of liability clause.
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A condition in many types of insurance policy setting out the insured’s duties in the event of a claim.