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Frequently, claims managers, supervisors, adjusters or attorneys picked up a new claims file and question why a claimant acted in a certain manner. When working a claim, it is generally taken at face value. The facts are as they are in the file, unless some surprises turn up later.  

When investigations proceed, things may differ from their initial appearance, or new material may surface. When accident and loss reports are initially made, the forms may be incomplete with respect to details, but that is not uncommon.

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