Liability Claim Analysis & Reserve Recommendation
Analyze liability claims and recommend reserves with defensible reasoning
What You Can Do
This skill helps you evaluate liability claims systematically by assessing injury severity, liability exposure, comparable settlements, and applicable insurance coverage. You'll receive structured reserve recommendations backed by clear reasoning and risk factors, enabling faster claim triage and more accurate financial provisioning across your portfolio.
Features
Systematically evaluate injury type, liability exposure, and factual circumstances using a proven framework that reduces assessor bias
Generate defensible reserve ranges based on comparable settlements, injury severity scores, and risk multipliers specific to liability subtype
Assess percentage of fault allocation across parties, coverage defenses, and policy limit constraints to identify defense costs and reserve implications
Synthesize historical settlement data and jury verdict patterns relevant to the claim's jurisdiction and injury profile
Quantify aggravating and mitigating factors (pre-existing conditions, plaintiff credibility, documentation quality) as adjustments to base reserves
Flag policy exclusions, coverage limits, and subrogation opportunities that affect your net reserve exposure
Produce a clear, audit-ready summary of key facts, legal issues, and reasoning to support your reserving decision
Example Output
Input: Motor vehicle accident claim, rear-end collision, plaintiff reported neck/back pain, MRI shows minor disc bulge, no prior injury history, at-fault insured.
Output:
CLAIM ANALYSIS SUMMARY
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Claim ID: CLM-2024-087543
Claimant: Jane Doe
Liability: 100% (at-fault insured)
Injury Type: Whiplash + minor disc bulge
LIABILITY EXPOSURE: High
- Clear at-fault determination
- Causation well-established (MRI confirms injury)
- No comparative fault
Liability Score: 95/100
INJURY SEVERITY: Moderate
- Objectively-documented disc bulge (MRI)
- 8 weeks conservative treatment anticipated
- No permanent impairment expected
- Lost wage period: ~4 weeks
Severity Score: 6.2/10
COMPARABLE BENCHMARKS (jurisdiction: CA, similar profile)
- Median settlement: $18,500
- 75th percentile: $28,000
- 90th percentile: $42,000
RESERVE RECOMMENDATION
- Base Reserve: $22,000 (median + minor aggravating factors)
- Defense Costs: $3,500
- TOTAL RESERVE: $25,500
- Range: $20K - $35K (10th-75th percentile)
RISK FACTORS
+ Early imaging (supports treatment necessity) [+5%]
- Plaintiff employed (better documentation of damages) [-3%]
+ No treatment history (clear causation) [+2%]
NEXT STEPS: Authorize defense counsel, schedule Independent Medical Exam
What's Included
- Claim Assessment Framework: Standardized questions and evaluation criteria for injury type, liability exposure, and damages estimation
- Settlement Benchmark Database: Guidance on finding and integrating comparable case data by injury type, jurisdiction, and settlement amount
- Risk Adjustment Methodology: Scoring system for aggravating/mitigating factors with percentile adjustments to reserve ranges
- Coverage & Policy Analysis: Checklist for identifying exclusions, policy limits, and subrogation that affect net reserve exposure
- Reserve Documentation Template: Audit-ready claim summary format suitable for reserve committee review and regulatory compliance
Who It's For
- Claims Managers & Adjusters
- Risk Managers & Reserving Specialists
- Insurance Company In-House Counsel
- Third-Party Administrators (TPAs)
- Insurance Defense Attorneys
Best For
- Initial claim reserving and triage decisions
- Reserve adequacy reviews for aging claims
- Consistency checks across claim portfolios
- Coverage and exclusion analysis for borderline claims
- Training new adjusters on structured assessment methodology
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