Claims Resolution


Many factors are involved in resolving a claim—that is, bringing the claim process to a conclusion. The insurer may fulfill its contractual obligations by accepting the claim, denying the claim, investigating it under a reservation of rights, or filing a declaratory judgment action. To resolve the claim, the insurer may use one or more of the following methods: negotiation, mediation, arbitration, appraisal (first-party claims only), and trial (litigation). 

This course describes the contractual duties an insurer owes in handling a claim and outlines the claims handling options available to the insurer. It then summarizes the entire claims handling process through which the insurer fulfills these duties, with emphasis on the resolution stage of the process.

Learning Objectives

On completion of this course, students should be able to

  • describe an insurer's duties and options in resolving a claim
  • explain how negotiation, litigation, and recovery fit into the overall claims adjustment process
  • describe how an adjuster's negotiation skills are used throughout the claims process
  • describe the litigation process that may be used in first-party and third-party claims

Designed For

P&C producers, adjusters, public adjusters and claims professionals
International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.

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