Colossus and Other Insurance Adjustment Software: Maximizing Auto Accident Claim Settlement Offers

Recording of a 90-minute CLE webinar with Q&A

Conducted on Tuesday, July 23, 2019

Recorded event now available

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Program Materials

This CLE webinar will examine Colossus and similar adjustment software used by insurers to evaluate auto accident claims. The panel will discuss recent and recurring legal challenges and offer best practices for obtaining higher settlement offers from insurance adjusters and defense counsel that rely on this software.


In auto accident claims, more than 70% of all insurers use Colossus and similar software to assess bodily injury claim values and limit defense settlement offers. The largest U.S. insurer of automobiles, State Farm, insures three out of five vehicles on the road and uses T.E.A.C.H. (Total Evaluation and Claim Handling) protocol.

Plaintiff's counsel should understand how the software works, its limitations, and how it impacts insurer settlement offers to claimants. Plaintiff's counsel should also be knowledgeable about the other processes and software affecting settlement authority, such as the medical management software each insurer uses (Decision Point, Medico, MBRS and its underlying database, Ingenix), and understand the significance of "active" versus "passive" treatment procedures.

Plaintiff's counsel today should also be sensitive to each insurer's claim practice procedure programs, including ACE (Advancing Claims Excellence), CCPR (Claim Core Procedure Review), ACME (Advancing Claim Management Excellence), MIST (Minor Impact Soft Tissue) and many others.

Counsel should examine controlling factors, such as the accuracy of all injury diagnoses and complete diagnoses, recognized complaints, as well as otherwise unaccounted pain and suffering damages. There are 10,720 value drivers; 17,000 severity drivers; and multipliers that increase the impact of these drivers in determining the settlement authority for each claim.

Listen as our authoritative panel guides personal injury counsel on Colossus and similar software and processes used by the insurance industry to evaluate claims. The panel will discuss legal challenges and offer best practices for obtaining higher settlement offers from insurance adjusters and defense counsel that rely on this software.



  1. Colossus-type software and programs explained
  2. Clinical perspective
  3. Legal considerations and practical strategies for personal injury counsel


The panel will review these and other critical issues:

  • How insurance adjusters use evaluation protocol to determine settlement offers
  • Types of injuries that have the most impact on the amount of a settlement offer, and the types that are least likely to be included in the calculation
  • What you can do to identify those factors which increase value to your client's case
  • Tips and techniques to use with adjusters that use Colossus-type evaluation software


Mathis, James
James Mathis
Sequoia Visions

Mr. Mathis has over 32 years of professional experience in the insurance industry as an expert consultant on insurance...  |  Read More

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