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Communication issues for insured customers with uninsured motorists claims
Editor's note: The following text is taken verbatim from Allstate's "confidential" employee training manual, "Unrepresented Segment Training." An "unrepresented segment" refers to a person who does not have a lawyer but who has been involved in an accident with an Allstate policyholder.
| Issue |
Avoid
communications like
. . . |
Instead use |
| Subrogation |
"Allstate has certain rights to recover payments from the party responsible. . ." |
"We are currently attempting to contact the uninsured motorist involved in your accident and request that he or she agree to pay Allstate any amounts which we have paid or will pay to you. With your permission, we will also attempt to recover any deductible on your behalf." |
| Subrogation |
"If we are unable to collect anything from the responsible party, you will have to pursue any recovery on your own. . ." |
"We are currently attempting to contact the uninsured motorist involved in your accident and request that he or she agree to pay Allstate any amounts which we have paid or will pay to you. With your permission, we will also attempt to recover any deductible on your behalf." |
| Attorney Representation |
"Failure to pursue one of the above actions will result in a loss of all rights of recovery." |
"Please allow me to discuss your settlement options before seeking attorney representation." OR Use Attorney Economics script |
Insure.com editor's note: Subrogation is when
an insurance company seeks compensation from another party responsible
for damages.
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