Question

An insured's customer hits her head on a low hanging shelf in your store. You're handling the claim. After talking to her and the insured on the telephone, you really don't think there is any liability, but you think the best way to handle the case is to pay her medical bills without admitting liability and try a walk-away settlement.

(A) Tell her you'll pay her bills and wish her well. Ask her to call you if she has any questions. When they arrive, pay the bills under the CGL's Medical Payments coverage.

(B) Tell her you'll pay her bills but she must sign a release of liability.

(C) You can't offer to pay her bills without admitting liability, so don't. Deny the claim.

Answer 1

The best approach is to offer to pay the customer's medical bills under the CGI's Medical Payments coverage without admitting liability

Step-by-step explanation:

To handle the case of the insured's customer hitting her head on a low hanging shelf in your store, the best approach would be to consider a walk-away settlement without admitting liability. This can be done by offering to pay the customer's medical bills under the Commercial General Liability (CGL) police's Medical Payments coverage.An appropriate response would be to inform the customer that you will pay her bills and wish her well, while also providing your contact information in case she has any questions.By paying the bills under the CGI's Medical Payments coverage, you are not admitting liability, but still providing assistance to the customer.