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Are Negligent Third Parties Increasing Your Client’s Experience Mod?

Accidents caused by negligent third parties are some of the most difficult to prevent and they can be traumatic for the injured employee and the business. Failing to follow up on subrogation claims will only compound problems.There are special rules to deal with revising mods impacted by subrogation. ...

By Kevin Ring | Updated on October 29, 2012

Albert was driving to pick up the office mail from the post office when another driver ran a red light and smashed into the driver side door. Albert was transported to the hospital and spent several days there recovering from his injuries. 

Workers’ compensation paid for Albert’s medical treatment and his time away from work, costing the insurance company well over $100,000 and ultimately increasing Albert’s employers experience mod. Did it have to be that way? Did the disaster that Albert suffered also have to wind up hitting his employer in the wallet? Maybe not. 

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