Use of Software Assertions and NCS Zap Responses
1. Adjuster Assertion: "I have already made an offer, and I will not negotiate against myself."
Zap Response:
"You have not shown the same transparency with your claim evaluation as GENESIS has with its breakdown of the claim. To counter-negotiate when the claim has not been evaluated correctly goes against UFCPA. Please provide a detailed and transparent evaluation of the claim before further negotiations can proceed."
2. Adjuster Assertion: "Our offer reflects the specifics of this claim based on our evaluation."
Zap Response:
"If your evaluation reflects the specifics of the claim, please provide a detailed breakdown of reductions or adjustments. GENESIS requires clarity on the methodologies applied to ensure compliance with UFCPA and fair claims practices. Without this transparency, GENESIS cannot counter the offer."
3. Adjuster Assertion: "We cannot disclose proprietary evaluation details."
Zap Response:
"While proprietary methods may be used, the UFCPA mandates reasonable explanations for valuation and claim decisions. GENESIS requires disclosure of key factors used in this evaluation. Without these details, GENESIS cannot proceed with a counter-offer."
4. Adjuster Assertion: "Our evaluation aligns with industry standards."
Zap Response:
"Industry standards must be applied transparently and account for claimant-specific details. Please provide a clear explanation of how this evaluation reflects the unique factors of this claim. Without such transparency, GENESIS will not counter your initial offer."
5. Adjuster Assertion: "We have already answered GENESIS’s questions."
Zap Response:
"While responses were received, key questions remain unanswered or insufficiently justified. GENESIS requires full compliance with UFCPA mandates for transparency. Until these gaps are addressed, GENESIS cannot counter your initial offer."
5. Adjuster Assertion: "We have already answered all of your questions and provided the necessary details."
Zap Response:
"While responses were received, key questions remain unanswered or insufficiently justified. GENESIS requires full compliance with UFCPA mandates for transparency. Lack of transparency and compliance will only lead to litigation and filing complaints with the Consumer Services Division of the Department of Insurance. Additionally, attorneys can contact the Department of Insurance to check if there are any current complaints flagged against this adjuster. Until these gaps are fully addressed, GENESIS cannot counter your initial offer."