Claims professionals have become aware of the increasing use of Alternative Dispute Resolution (ADR) to re-solve insurance claims disputes.

About 95% of all cases are now resolved without a judge and jury. Insurance companies, once ready to battle most of their cases, are now immersed in a cost-conscious and cost-cutting business environment. Law firms also are feeling the impact of inflation and face the need of obtaining capital quickly. Clients also feel this need and press attorneys for quick action.

IX. OTHER LIABILITIES
'Producer' will have no authority to place 'Agency' under any financial liability other than the binding of insurance coverage where 'Agency' authority exists. Any liabilities incurred by 'Producer' on behalf of the 'Agency' will be strictly prohibited and become the sole responsibility of 'Producer.'