Can You Identify the Large Problem?

The following is happening with alarming regularity and our industry needs to address these situations. Contained in this REAL example is a problem. Can you identify it?

• Driver reports an 'accident' that is clearly his fault; rear-ended the vehicle in front. Police respond; information is exchanged and it is noted that there are no injuries. All is well, eh?

• About a week later a letter from Plaintiff Counsel appears and they are contending that their Client, the driver of the vehicle that was struck from behind, is injured.

• Note: when the accident was reported it fell well below the radar of those who are charged with managing this type of accident. In other words, nothing was done from an investigative standpoint. I mean, why would you, there was no injury at the scene and if later the claimant DOES allege an injury it couldn't possibly be much, right?

• Fast forward two years! The case is in litigation, costs are mounting and medical for the injured driver stands at over $125,000. Demand is at $850,000.

So, where is the Large Problem? Well, no one ever inspected the claimant vehicle. No photographs, no nothing. What we DO know is that the Police Report says there was NO DAMAGE to the rear of the claimant vehicle. Further, no claim for damage was made by the owner of the vehicle or their insurance company. Hmmm.