Most claims professionals have heard of a Stowers demand, or received a Stowers letter. The Stowers doctrine is a widely mentioned, but commonly misapplied, tool in a Plaintiff attorney's arsenal to force settlement. It is crucial for an adjuster to fully understand the doctrine, and the obligations derived from it.
It's not an easy time to be an insurance claims professional. Increased claims and a slow economy have brought added pressure to lower litigation costs. Many claims professionals find themselves braving the fine line between handling tasks that are appropriate for an adjuster, and those that require a law license. Time and time again, we see claims professionals delegating simple ministerial tasks to a law firm--tasks that could easily be handled in-house-raising their litigation costs unnecessarily.