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Into the MIST: Effective Approaching Minor Impact, Soft Tissue Claims

Minor impact, soft tissue, or MIST, claims involve collisions resulting in minimal vehicular damage but allegations of significant bodily injury among vehicle occupants. This seemingly counterintuitive phenomenon is all-too-common in the insurance industry, especially among newer adjusters. Addressing these claims requires a careful approach, based on measurements, investigation, suspicion, and thoroughness (a second type of MIST, which we’ll differentiate as MIST).

Everything old is new again when it comes to mold claims

The late 1990s and early 2000s saw many seminal losses which shaped a generation of adjusters such as low-impact investigations and mold claims. Insurers adapted and trained low-impact adjusters and installed protocols; they changed policy language regarding mold coverage. And in the sense that fashion trends come around every 30 or so years, mold claims have begun to rear their heads.

Mold Image by Annie Spratt

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