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Key Results Settled in 72 Hours ~$50K–$60K+ Exposure Avoided Resolved Without Litigation |
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The Situation While making a routine delivery to a grocery store, a Regional Food Distributor's semi-truck driver attempted a left turn and collided with a passenger vehicle. The car sustained significant damage, and its driver reported neck and back pain at the scene before being transported to the hospital by ambulance. With a clear bodily injury exposure developing, CBCS needed to assess liability quickly, resolve the claim efficiently while protecting the insured's interests, and prevent escalation to litigation. |
The CBCS Approach
Within three hours of the report, CBCS launched an immediate incident response — collecting dashcam footage from the semi-truck, obtaining the police report along with claimant and witness statements, and dispatching a field adjuster to inspect both vehicles. The dashcam footage showed the semi-truck driver had failed to yield, establishing clear liability.
With liability confirmed, CBCS deployed its Early Resolution Settlement strategy to mitigate the loss. CBCS offered $5,000 on first contact; when the claimant countered at $15,000 citing the insured's liability and minor injuries, CBCS negotiated a final settlement of $7,500. Paired with empathetic outreach to the injured party, that approach avoided litigation entirely and closed the file within a week.
This is a testament to how early, proactive claims handling — supported by decisive evidence like dashcam footage — protects our clients from significant, avoidable losses.