The key element in insurance claim investigation is the knowledge of elements
that can identify cases that are appropriate for insurance
subrogation, i.e. identifying third parties that are liable
in the case at hand.
Good insurance subrogation investigation requires that the
investigator look beyond what the worker did and consider
other factors, which
may include things like a lack of guards on a machine where
a serious injury occurred, the lack of a slip resistant
tile on
a floor, or the failure of a machine designer to design a component
so that a guard would not have to be removed for maintenance
of the machine.
To be successful in identifying the subrogation aspects of
a insurance claim investigation, one must begin by first
thinking
about what's wrong with the design as opposed to what the worker
did wrong.
The insurance investigation agent must have a good grasp
of mechanics and the legal aspects of insurance subrogation
issues. An important
aspect subrogation insurance claim investigation includes knowing
that manufacturers must predict operations that operators of
machines might perform and the hazards associated with each
of the tasks. The designer performs a risk assessment and
if the
risk is intolerable, the risk must be reduced by utilizing
established safety hierarchies in the following order.
| |
A. |
If possible, eliminate the hazard through design |
| |
B. |
Create a guard against the hazard |
| |
C. |
Adequately warn the user about the hazard |
| |
D. |
Attempt to train the user to avoid the hazard |
| |
E. |
Recommend personal protective equipment |
Our subrogation insurance investigation will identify these
factors and make relevant recommendations to peruse third
parties in this regard.
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