Actual Churchill Claims Case Study
The Case of the Couch on the Freeway
or… how going the extra mile helped us get the true facts about a 3-car pileup
A three-vehicle rear ender on the freeway in which the insured was the front vehicle had come about due to a couch having allegedly fallen off the back of a flatbed causing the insured to brake sharply and then be rear-ended. No police report had been made and there were no independent witnesses. The two drivers behind the insured were claiming the insured to have been partially, if not wholly, at fault for coming abruptly to a stop on the freeway for no reason. Both claimant drivers were alleging that the insured had stopped without cause and that there was no couch. The adjuster received this assignment within a couple of days of the accident, and having interviewed all three drivers was at an impasse as to whom to believe.
On further inspection he discovered a sales invoice inside a plastic pouch stapled to the couch. Armed with the information from the invoice he was able to contact the second hand store that had sold the couch. The store owner confirmed that one of his delivery drivers had “lost” a small couch during a delivery run a couple of days earlier and that his route had taken him along that particular stretch of freeway. The adjuster advised him that the couch was still there if the owner wanted to go pick it up and the owner thanked him.
Churchill gets the facts: With a complete report, the insurance company was able to successfully process the claim to the right parties. Call Churchill Claims Services for frustration-free claims investigations and complete, accurate information.
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