One Claim, Two Lenses: Legal and Practical Implications of Splitting The Claim File

In the insurance industry, insurers often maintain split files for complex liability claims as an administrative control that enables their defense of an insured(s) while simultaneously investigating coverage issues. While some insurers maintain split files for all claims, others may do so on a claim-by-claim basis or upon request from the insured(s) if warranted under the circumstances of a particular claim. Insurers that have adopted split files in their administration of all claims generally... By: Cozen O'Connor