What a RoadClaims Advisor review actually looks like.

Executive Summary

The file involves a multi-vehicle commercial auto loss with secondary cargo damage exposure. Initial handling has captured the basic facts, but coverage positioning is unclear, the reservation of rights letter is broadly drafted, and the driver statement is incomplete. Liability is contested in [redacted county] and a represented-claimant demand is expected within 30–45 days. Acting on the gaps below in the next 14 days materially improves the file's defensibility.

Handling Concerns

• Initial 24-hour investigation captured scene photos but did not preserve [redacted vendor] dashcam beyond 30 days.
• Driver recorded statement is partial; key questions about [redacted maneuver] are not addressed.
• File diary cadence has slipped from 30 to 60 days; ROR letter is older than 60 days without follow-up.
• TPA reserve appears low relative to demand exposure category for this jurisdiction.

Coverage Observations

• The ROR letter cites [redacted endorsement] but does not specify which factual development triggers the reservation.
• Cargo exposure may implicate a separate policy form; coordination between auto liability and cargo lines is not documented in the file.
• Recommend a written coverage position request to [redacted carrier] tied to specific endorsement language.

Liability Observations

• [Redacted state] comparative-fault framework supports a meaningful liability share for the claimant based on the police narrative.
• Scene reconstruction has not been engaged; given demand trajectory, an early reconstruction is recommended.

Documentation Gaps

• Driver qualification file excerpts (DQF) not in the claim file.
• ELD / HOS records for the relevant 7-day window not requested.
• Post-loss inspection report missing; only photographs in file.

Recommended Next Steps (Priority Order)

1. Request a written coverage position tied to specific ROR language within 7 days.
2. Issue a litigation hold and pull DQF, ELD, and dashcam for the loss date.
3. Engage scene reconstruction before the represented-claimant demand arrives.
4. Re-paper the driver statement with targeted follow-up questions.
5. Recalibrate reserves with the TPA based on jurisdiction and demand category.