Insurance claims

Guidance

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Policy description: policy which the claim is covered by
Department name: department in which claim occurred
Directorate name: directorate in which claim occurred
Incident date: date in which incident occurred
Notification date: date in which the council was notified of the incident
Cause description: cause of claim
Damage description: description of material damage that occurred
Status flag: status of the claim
Status date year: year of status description
Total claim: total cost of claim (all payments and outstanding reserve)
Payments: payments made (including damage, injury, third party costs)
Payment date: date payment request is processed by insurance team which may differ from the actual date payment was received by the individual
Internal paid: compensation paid by Lambeth which falls below the excess of £500,000
Damage paid: compensation for damaged personal items
Injury paid: compensation for injury
TP costs paid: third party costs (solicitors fees etc)
Claim reference: auto-generated reference number issued by the Claims Management System
Policy year: usually occurs within 1 April - 31 March

Settled: compensation payed to claimant and/or representatives
Repudiated: claim turned down with no use of public funds however there may be some data that shows own solicitor costs where the council have instructed a solicitor to defend a claim which has been done successfully but with a cost to the council
Incident referred to contractor: claim has been passed to a council contractor - this is because after investigation they were found to have been responsible for causing the incident
Incident referred to others (e.g. TfL, Borough, NIG): claim has been passed to another company not employed by the council who are deemed responsible for causing the incident or referred back to council's internal department
Withdrawn not pursued: claim has been withdrawn by either the claimant or their representatives after evidence was presented explaining the council's liability position

Claim payment: total of the damages paid for either injury or property damage
Adjusters fees: amount paid to own loss adjusters for their services
CRU 100: amount paid for recoverable benefits paid to the DWP
Medical fees paid: payments for services provided by our own medical agency
NHS 100: amounts repaid in respect of hospital charges incurred as a result of the claim
Other fees paid: fees paid to our own motor engineers
Own costs paid: fees paid to council-appointed solicitors to defend the case
TP costs paid: fees paid to the third-party solicitor representing the claimant

Listings of individual settlements and costs for the Lambeth children’s homes redress scheme.