Here’s why you need to cooperate during a workers compensation insurance investigation.
As a business owner, you are probably aware that an injured or ill employee will likely file a workers compensation insurance claim. Not only is it important to report this claim in a timely manner, but it is also vital that you do what you can to assist with the investigation.
By cooperating with your claims adjuster, you can ensure that the claim process is handled quickly and efficiently. Additionally, your assistance can even help the claims adjuster identify possible third-party involvement.
How to cooperate during the claims process
- Anytime an employee is involved in an accident, you should require supervisor reports that record the initial details of the incident. This way, if the employee does decide to file a claim, you will have the details of the event recorded so the information cannot be forgotten or changed.
- You should also help your claims adjuster gather witness statements and speak to the injured employee. For instance, you can help schedule meetings between your employees and the adjuster. Additionally, if a meeting cannot be organized, you can supply your adjuster with the injured worker’s personal contact information.
- When meeting with your claims adjuster, you should be sure to inform them about any concerns or issues you may have. Something that seems insignificant at first could have a huge impact on how the claim actually turns out.
In addition to these things, you can also help your adjuster identify third-party involvement in a claim.
Here are some of the things that you can do to help.
- If your adjuster suspects that a product defect or machine malfunction has something to do with the employee’s injury, you should make an effort to preserve the scene of the incident. This means removing the suspected machine from production to allow for further investigation.
- You can also play an important role in preserving the scene by taking pictures immediately after the incident takes place. This will allow you to capture details that your adjuster might not be able to recreate.
- Finally, sharing police reports, contracts, and other documents with your adjuster can be important in helping them determine third-party involvement.
These are some of the ways in which you can cooperate during a workers compensation insurance claims investigation. Do you have further questions regarding your business’s insurance needs? Then contact the experts at Contractors Insurance Agency. Our dedicated team is ready to get you the coverage that you need today.