Christine Reed Provides DOI Fair Claims Regs Recertification at January EBCA
By Lynna Harrison
photos by Bryan Harrison
The East Bay Claims Association launched the new year with a Recertification luncheon seminar, featuring Christine Reed, of Low Ball & Lynch, Wednesday, January 10th at Zio Fraedo's in Pleasant Hill. This first Luncheon of the new year was very well attended. Christine Reed from the Carmel Law offices of Low Ball and Lynch provided the necessary training for claims professionals to receive their annual recertification of their understanding of the Fair Claims Settlement Practices Regulations.
Ms. Reed began by saying "my job is to defend the insured; not to make sure the adjuster does their job." She made clear that her job rarely deals with the details of how the adjuster does their job. She emphasized the importance of being be sure you always document every detail, and maintain communciations with an insured.
Christine explained all of her 26 page handout without the aid of her planned slide show. The power cord to her projector was left in another bag at the office.
Introduction: California Insurance Code 790.03 (h) sets forth sixteen claims settlement practices that are deemed to be unfair, and thus prohibited, when an insured either "knowingly committed" them on a single occasion or committed them with such a frequency so as to make them a part of a general business practice.
She detailed such mandates as the maximum time allowed to respond to any communication during the entire claim process is fifteen calendar days. "You must acknowledge notice of claim, provide evidence of claim, begin investigation," she explained.
Numerous questions and discussion with the claims people in the crowd, particularly on the issue of "proof of claim" were addressed. Ms. Reed listened and explained her understanding of the rulings.
The 50/50 Raffle prize of $50 cash was won by our good friend from Felton Bob Hampson, Robert Hampson Insurance Adjusters.
Plan now to attend the next Luncheon meeting, featuring a look at auto information systems, February 14, 2018.