So how does a superior approach to claims management benefit an insured beyond the scope of claim payments and pro-active defense measures? Incurred losses ultimately impact insurance costs right? It is important to examine the standard claims/underwriting department relationship that exists within many "big box" insurance carriers. Much of the claims process is contracted out to third-party administrators (TPA). The performance of these organizations is typically tied to closing out as many open claim files as possible in any given month.
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