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- Marine Insurance System
- Process
- Claim assessment and decision
Claim assessment and decision
The claim begins with its policy, loss date, reported date, amount and loss evidence. Assessment compares the reported loss with coverage and any cargo survey. The Authorized Underwriter records an independent decision linked to the claim, with an approved benefit or a reason for declining. A request for evidence keeps the assessment open until the reviewer can decide.
Step by step
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Report loss Insurance Coordinator
Insurance Coordinator supplies the policy and loss context; the claim records its number, dates, amount and evidence as Reported.
- Retains original claim amount and loss evidence
- Updates Claims, Policies
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Assess coverage Authorized Underwriter
Authorized Underwriter compares the loss date and evidence with policy terms while the claim moves through Assessment and Review.
- Establishes decision context
- Updates Claims, Policy coverages, Cargo surveys
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Decide claim Authorized Underwriter
Authorized Underwriter records Approve, Decline or request for evidence with a decision time and reason. An approval records the benefit.
- Records insurer authorization or decline
- Updates Claim decisions, Claims
ApprovalA person approves before the work moves on. -
Route outcome Authorized Underwriter
Authorized Underwriter follows the claim into Approved or Declined, or waits for requested evidence before another decision.
- Keeps outcome available for settlement or review
- Updates Claims, Claim decisions
Who does what
Roles and permissions- Authorized Underwriter
- Decides the claim.
- Insurance Coordinator
- Supplies policy and survey context.
- Auditor
- Reviews the claim and decision trail.
Set up Marine Insurance System your way.
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