Leveraging Insurance Reserves in Personal Injury Claims

Presenting a Case, Working With Adjuster, Impact on Settlement

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

This program is included with the Strafford CLE Pass. Click for more information.
This program is included with the Strafford All-Access Pass. Click for more information.

Conducted on Tuesday, January 29, 2019

Recorded event now available

or call 1-800-926-7926
Course Materials

This CLE course will discuss the role of an insurance company's "reserves" in a personal injury claim. The panelist will discuss why reserves are crucial to the eventual claim resolution and how plaintiff's attorneys can work with insurance adjusters to value the claim at the outset to avoid settlement delays at the end of the case.


Before a claim can be set up and assigned to an adjuster, the supervisor must set an initial "reserve." A reserve is a sum an insurance company earmarks to settle a claim, including the anticipated costs of handling of the claim.

When it comes time for an adjuster or claims supervisor to request settlement authority, the reserves on the file are a limit on authority. There are exceptions, but this is the general rule. It is essential that plaintiff's attorneys provide the insurance company with new information when received, so that the reserve will have been set high enough to allow an adjuster to settle the claim for a sum that the plaintiff is willing to accept.

Plaintiff’s attorneys do not always take the time, pre-suit, to gather information that an adjuster needs to settle a claim. Often the reason is that the plaintiff’s attorney or paralegal does not understand what the adjuster needs to satisfy the insurance company's requirements. Another reason is the plaintiff counsel’s failure to have procedures in place that periodically update a file and in turn update the insurance adjuster.

Listen as our panelist explains what insurance reserves are, how they are set, and how plaintiff's attorneys can work with insurance adjusters pre-suit to avoid delays in claim settlement down the road. The panelist will also discuss best practices for communicating with the insurance adjuster, as well as case management techniques.



  1. Overview of insurance reserves and how they are set
  2. Discussion of how plaintiff's attorneys can assist in ensuring that insurance reserves are correctly set pre-suit
  3. Analysis of how initial reserve-setting impacts settlement at the end of the claim
  4. Best practices and case management techniques to assist in proper reserves maintenance


The panelist will review these and other relevant topics:

  • What are insurance reserves?
  • How are insurance reserves set?
  • How can plaintiff's attorneys work with insurance adjusters to ensure that insurance reserves are up to date?
  • How can a settlement be affected by insurance reserves?


Trudell, Patrick
Patrick A. Trudell

Kornfeld Trudell Bowen & Lingenbrink

Mr. Trudell has represented hundreds of people during his career in settlement negotiations, litigation, trials and...  |  Read More

Rod Hollenbeck
Rod Hollenbeck
Former Partner

Mr. Hollenbeck was the managing partner of Hollenbeck and Associates which is the law firm for a major insurance...  |  Read More

Access Anytime, Anywhere

Strafford will process CLE credit for one person on each recording. All formats include course handouts.

To find out which recorded format will provide the best CLE option, select your state:

CLE On-Demand Video