Investigation and incident response guidelines
Despite your best efforts to prevent slips, trips, and falls at your business there may come a time when an accident does occur. How should you respond? A good initial investigation of the incident will go a long way to helping claims adjusters, if a formal claim is filed, conclude the case favorably. Your investigation may lead adjusters to conclude that a quick settlement is justified or that defense is warranted.
If a slip or fall occurs, obtain appropriate medical attention for the victims, and then promptly investigate the incident. The investigation should be conducted when victims and witnesses are readily available, and the facts are fresh in their minds. Investigators should stick to fact collection and never indicate when or how your business may respond to the incident.
If fraud is suspected, the investigator should generally “red flag” the report when submitting it, but not put the suspicion in writing. These claims need to be handled aggressively yet discretely. You can create your own Incident Investigation form but it should contain the following at a minimum:
Incident investigation forms should be submitted to the handling adjuster / insurance company with the first report of injury or immediately after the claim has been assigned. It is important for the insurance company representative to have the incident investigation form prior to their contacting the injured person to aid in their claim handling.
The information provided in this article is intended for general informational purposes only and should not be considered as all encompassing, or suitable for all situations, conditions, and environments. Please contact us or your attorney if you have any questions.