Deductible Reimbursement Laws In All 50 States
A summary of the laws and regulations in each state with regard to whether there is a duty or obligation on the part
of a subrogated carrier to reimburse any or all of its insured’s deductible to its insured before it can successfully subrogate or seek reimbursement of its claim payments.
PDF (93 KB)
Legal Reference
Recorded Statement Analysis
A written observation describing behavior of a person making a recorded statement.
PDF (54 KB)
Forms Property & Casualty
Car Evaluation Analysis
Appraisal form used to determine a vehicle's value after a total loss by considering the book value and local market value (dealer quotes). Add or deduct value using a comparable vehicle model, noting trim, paint, glass, tires, power options, mechanical condition and cleanliness.
PDF (126 KB)
Forms Property & Casualty
Claimant's Report Of Accident
This report form is given to claimants to record the details of an accident. Includes accident location, property damage, vehicle occupants, witnesses and an accident diagram.
PDF (76 KB)
Forms Property & Casualty
Digital Photo Sheet 2
Form for digital photo documentation for an adjuster's file.
DOC (28 KB)
Forms Property & Casualty
Memorandum For Appraisal
Memorandum for Appraisal is used in property damage situations where insured and insurer disagree on actual cash value, and is binding on the parties as to the amount of loss.
PDF (35 KB)
Forms Property & Casualty
Reaction And Braking Distance Table
Basic reference table displaying reaction and braking distances for vehicles traveling at a specific speed.
PDF (11 KB)
General Reference
Denial - Less Than Deductible
A denial letter used when the value of a claim submitted is determined to be less than the insured's deductible.
DOC (17 KB)
Letters
Accident Scene Diagram - 4-Way Intersection
This Microsoft Word template allows users to sketch an accident scene by adding and resizing a variety of objects including roads, vehicles, road signs, road signals and other symbols and figures in a 4-way intersection.
DOC (2382 KB)
Diagrams
Vehicle Accident - Investigating Officer
Statement guideline for interviewing the investigating officer in a vehicle accident claim. Includes initial questions and follow up questions based on responses given.
PDF (17 KB)
Statement Guides
