The Truth about Colossus: you're just a magnetic image?

What is Colossus?

Colossus is software licensed to about 25 insurance companies in predicting the settlement value of claims to support. The insurance industry maintains it is a useful tool because it takes into account many factors, and the settlement values ​​are just an area for use in any way the insurer wishes. Plaintiffs 'Lawyers', on the other side say that the software is only as good As input data, and we never know what the regulatorInput, that it is not a disorder of the normal activities of life, or other valid evidence of pain and suffering in the control of lay testimony instead of medical testimony (as requested Colossus), and that is not only a starting point, but it is the last word on the value, the regulator must take, otherwise the risk of unfavorable management reviews.

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How do you know that only a part of everything that you are compensated? If the data is entered,How can a computer quantify your emotional distress and loss of zest for life because you no longer go for long walks with your spouse, or the pain and despair you have to take every day because your work hurts and disturbs your healing ? If not all related to your present situation, it is fair to those who have suffered to quantify and reduce to a dollar value on some factors that may not be your condition?

The Truth about Colossus: you're just a magnetic image?

This is the essence of the Colossus software. E 'an attempt to appreciate some insurance companies on all claims regardless of whether a jury could award more than the applicant "average". You put things such as damage to vehicles and the expected duration of treatment and the costs eligible for treatment and many other variables and then come up with a number for the credit value. No consideration is to eliminate the actual extent of the pain and suffering since.

There is no considerationall for the fact that you could have a job when the injuries result in continuous pain, or slows the healing process (consider, for example, a waitress, or a person who has to stand all shift) given. We do not know, nor care not to keep the baby because of neck pain and back pain. There is no place in the formula for such information.

But the problem is that in our system, the jury, which is supposed to be the basis for determining the value of a claim, andJuries tend to listen and take into account many factors that Colossus ignores. Juries make a difference whether they believe the actor believable, or has the characteristics we value in our society, as the virtues of honesty, perseverance, humility, patience, or, for example, is based.

Colossus has no way to evaluate these positive qualities, so if you're obsessed with something positive, which is likely to give a verdict of the jury's largest, will not be included in theColossus Review. It becomes magnetic image, no different in terms of your positive characteristics that the image of another magnet of thousands of claimants with injuries similar to yours have.

The real problem with Colossus is that the regulator has set for your claim about only with the results that come out of the computer. Of course, the insurance can deny, and media and the state insurance commissioner to say that Colossus is more than aAssessment Tool. It gives you a starting point only, say, by setting up, if the circumstances merit it. It is not true.

Colossus The result is a position that is increasingly locked in, and that the regulator wants to vary from it because of the facts would be an unusual case, better to be prepared to justify them. Also, how many times you think that any adjustment trying to make the cut is an insurance company, go to their heads and ask permissionexceed the value determined Colossus? Considering that her evaluation and merit pay only, as "efficient" (read that to mean cheap, or "hard line") that settles his case, do you think will always go to his boss for more money than allowed by Colossus basic question? Not very likely.

Colossus is a closely guarded secret of the insurance companies that use it, and probably will not say if they have licensed the software. And 'the market leaderPersonal injury management software from a growing number of insurance companies in the world used. Products according to Computer Sciences Corporation, the company, the Colossus, is used by more than 50 percent of the nation and claimed regulators from more than 300 insurance companies. Outside the top 20 U.S. property and life insurance, 13 with Colossus.

Most claims insurance adjusters use computer software to assess any claim. CSC argues thatColossus can evaluate more than 600 types of injuries to 10,000 different rules. In this way, regulators to obtain a figure from the software giant and offer to you to resolve your complaint. Insurance companies argue that their experts are not required to settle within the proposed Colossus calculations, but this is really meaningless, and should be examined by insurance commissioners of the nation.

How does it work?

Neither insurance companies nor CSC will revealexactly how to determine the Colossus baseline value. Most calculation Colossus' of your right to insurance data that is based not access and insurance companies do not want former insurance adjusters, say something, either, http://seattlepi see the article in the Seattle Post-Intelligencer ([. nwsource.com/local/93800_insurance01.shtml]).

But we know that the value of the claim greatly from region to region and even frombaseline, that your insurance company has set. For example, select the auto insurers with the software, a series of closed, already settled claims from each region in which they operate, provide the value "base" of clearance for each type of injury. For example, an insurer 200 cases of back injuries from a specific region, bring the previously opted for between $ 1,000 and $ 5,000 and put them into the Colossus program. Calculated on the basis of this colossus final settlement settlement dataRange for similar claims. Therefore, the base value for each insurer.

But who is to ensure that the closed claims selected truly represent the norm? Would not be in the insurance industry to "pad" the research reports of retaining high-value settlements? There is no guarantee that every giant is something other than what serves the best interests of the insurance industry. No one has certified that the basedrawn from the data was fairly and objectively constructed.

By using Colossus, most insurance companies will try to add value to your low level of debt, and refrain from participating in considering the stress or emotional trauma, loss of enjoyment of life, loss of consortium (relationship), inability to participate in activities with which it takes to enjoy, or any number of other things to look at a jury. These factors are not assessed by the software giant.

What you shouldDo?

The first thing to do is to determine if the company you need to do Colossus used for any purpose in its claims process. Here is a list of the media, the Colossus of companies that allow for a specific purpose in its claims review process.

The following companies are known to license COLOSSUS:

Aetna Allstate (since 1997) American National Property and Casualty (since 1997 in 38 countries) American Family Group of Madison (from1996) Arrow Claims Management (since 1997) AXA Insurance (based in Britain, one of the world's largest insurance groups) (2001) Bishopsgate Insurance (since 2000) Explorer Insurance Company (1997) Farmers Insurance Group of Companies (2000) Federated Mutual Insurance Company (1998) General Accident (1998) Grange Mutual Casualty Companies (1998) Great American Insurance Company (1998) Hartford Financial Services (2000) Keystone of insurancePhiladelphia Metropolitan Group, Rhode Island Norwich Union Motorist Mutual Insurance Group American Hardware (1998) Ohio Casualty Group Insurance (1998) State Auto Insurance Columbus (1996) 20th Century Industries (1997) Travelers / Aetna Property Casualty (1996) United Services Automobile Association (USAA) (1997) Utica Mutual Insurance Company (2000) Zurich Personal Insurance (1998)

Therefore, we recommend you followcarefully to avoid our advice on this subject, that the insurance company the upper hand in the resolution of the complaint. How could this method of valuation software allow them the upper hand? First, as described above, this is a software program, a result that will produce for the benefit of the insurance industry. Does not contain any element that can cause real problems in the care or that they are in many nights of insomnia.

Whether it is the tortfeasor, the insurance company or yourCompany if the company that you can do with an award in general, has licensed Colossus, you may want to consider that in the negotiations. Desired, for example, because only a result of the Colossus "expected" product of an "average" from input judgments and comparisons are based, you would draw the attention of the regulator of all the facts that your situation outside of the norm .

Let's say you are a waitress and has suffered a soft tissueInjuries to the neck and lower back. No matter how good and useful medical treatment, or no matter what healing is for a few days away from work to achieve, will only worsen his condition as soon as you start wearing the new trays of food or beverages. The weight of this argument is on one side or the other injuries worse, and it is much harder to get for you healing.

Another example would be a single mother who collect as a child 11 monthsfrequently. They continue to suffer pain due to accident injuries for much longer than a person who is not otherwise encumbered tissue healing. Think of how many times a day, must take the baby, and what a strain it put on the neck and back.

Now you think that there is no way that one of these situations or indoors or as a result of the Colossus? Of course there is. This is the old adage. "Garbage In Garbage Out" Sincethe computer is not programmed or interrogated for one of these circumstances into consideration, then it is your responsibility to provide sufficient information to provide the regulator to allow to change the outcome of Colossus by a different set of input data the program.

What you should know is to think about your situation and deal with every aspect of your case, which is a little 'different might be the norm. Then you will understand that the situation in a letter to the governor and ask themin their assessment will confirm that the allowances for your situation, regardless of the result suggested the Colossus. To see a good source to get a letter would be a site specializing in personal injury claims SettlementCentral.Com (http://www.settlementcentral.com)

If you do not respond, or if you do not agree to charge for your particular situation to do, we suggest that they realize that one must write the insurance commissioner. Also, see 'SettlementCentral.Com website (http://www.settlementcentral.com) as a sample request letter. As a next step we suggest you write to your state insurance commissioner and complain about the use of Colossus. Finally, we believe that your state Trial Lawyers Association may be some information or suggestions on legislation, to reduce the reliance Colossus.

Another key to a controller that works with Colossus is to ensure that medical recordsall in a way that rewards the software. There are three essential elements to this requirement, and you control only one of them: the other two are held by the doctor (who does not like proper documentation) and the regulator (co who did not, so you know, the format in which information needed to be understood by Colossus).

You will need the cooperation of the regulator to tell which format would be helpful for him to make you full value for your needs. Askabout the quality of your medical records. What records were most useful, and that the records were virtually useless. He must be able to tell you. This person is not a real enemy, has a job to do in this mission, and you need them to ensure a fair and settled the case amicably.

Urge the governor of cooperation in order to know the specific injuries and complaints are used to evaluate the complaint. Since all claims and injuries must be documented in amedical report considered by the Colossus, I ask him, you know when I need to do, the doctor in this case, a record for extra support.

If you have a good medical record, you must receive a written description of your physician, or to put it on certain results that are translatable to make entry into the colossus.

Additional information, such as a letter to the insurance adjuster on the Colossus, letter to the commissioner of insurance and other references Colossusare available for free on our website at: http://www.settlementcentral.com

The Truth about Colossus: you're just a magnetic image?