Liability decision
Also known as Fault decision, Liability split
A liability decision sets who is at fault for a loss and in what proportion, known as the split. It drives the payout, the recovery, and how well the claim holds up if it is disputed.
Written as a split, such as 100/0 or 70/30, the liability decision follows from the facts of the loss, the policy, and the rules or convention that apply. It looks like a single call, but it rests on dozens of smaller ones underneath.
Why it matters
It sets the amount that gets paid and the recovery that can be pursued. A split that is off by a point or two does not announce itself. It just pays out, on every claim like it.
Mysa hands the adjuster a proposed split with the rule it rests on, a confidence on the judgment, and how the same book decided the last twelve claims like it. The call stays the adjuster’s.
Common questions
What does a liability split mean?
The proportion of fault assigned to each party in a claim, such as 100/0 or 60/40, which decides who pays and how much.