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ISO 101

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Questions and Answers

What is the main purpose of the ISO (Insurance Services Office)?

To assist in processing insurance payments

To collect client personal information

To provide a list of insurance agents

To have visibility on all previous claims (correct)

In Personal Injury (PI) cases, why is it important to consider previous claims?

They may indicate a pattern of fraudulent claims. (correct)

They help to identify the insurer's preferences.

They are used solely for statistical analysis.

They increase the total compensation amount.

What should be included in the email when requesting an ISO?

A list of all previous insurers

Details about the insurance officer

Client’s personal information and case details (correct)

A summary of the case outcome

Which step is NOT part of the FLF steps for requesting an ISO?

Preparing a court report Signup and view all the answers

What should you not forget to input after reviewing an ISO?

Your findings in the Red Flag tab Signup and view all the answers

Why is it advisable to request an ISO in all C+ cases?

To enhance the credibility of the plaintiff's current claim and verify posible pre existing injuries Signup and view all the answers

What type of claims should you ask about during the call with the client after receiving an ISO?

MVA/WC claims and injured body parts Signup and view all the answers

What should you do after identifying issues in the ISO?

Discuss the findings with the client and document them Signup and view all the answers

Study Notes

ISO 101 Overview

ISO stands for Insurance Services Office
ClaimSearch is a tool accessing previous property/injury claims
Key points to consider for Personal Injury (PI) cases:
- Multiple claims raise questions about current claim credibility
- Anticipate potential weaknesses (prior claims)
- Request ISO in all C+ cases

How to Request an ISO

Send an email to [email protected]
Include case details and client information (name, DOB, address)
Attach a TCR (if available)

How to Read An ISO

Example shows multiple matching records, including date of loss, time of loss, type of policy, location of loss, etc.
Information on involved parties (insured and/or claimant) is included, along with their names, addresses, dates of birth, and other details.
ISO reports can contain prior claim history.

FLF (File Level Form) Steps

Request ISO via USA Express
Input expenses ( "expenses" tab in filevine)
Request payment via check
Contact client and investigate details of the case to obtain details of insurance claims, injuries, damages, facility information, and WC law firm
Request reports from treatment facilities
Identify red flags and document the findings.

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Description

This quiz provides an overview of the Insurance Services Office (ISO) and its ClaimSearch tool, focusing on key points to consider in personal injury cases. It also details the steps involved in requesting, reading, and interpreting an ISO report, including file level procedures. Test your knowledge on how to effectively utilize the ISO in insurance claims!