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The ability to accurately evaluate a claim is the most essential professional skill for liability claim adjusters. No checklist, computer program, or actuarial data can replace the human skills necessary to analyze information and generate a reliable value for a personal injury or a wrongful death claim. Evaluating a claim is as much art as it is science. It requires a well-trained, experienced professional to be done properly. The evaluation of every claim starts with obtaining as much information as possible about the claim. That information is then examined under the harsh light of two primary factors: fault and damages. The adjuster’s evaluation skills become critical when it is time to examine the facts in minute detail, including an infinite number of subcategories that affect the two primary factors. Those subcategories are too numerous to list. They tend to vary widely with each claim because no two claims are identical. However, one critical factor is necessarily present in every claim and may be more important than any other: Where will the claim be brought?

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