URMA’s claims and litigation services include claims investigation, adjusting, reserving, subrogation, and litigation management. Our contracted Claims and Litigation Manager, Libby Lowther of Lowther and Associates, oversees outside legal counsel on all litigation, and investigates and adjusts claims.

URMA’s practice is to involve our Members throughout the claims and litigation process. Our staff works closely with Members to gather information once a claim has been filed. Unlike a commercial insurance company, URMA Members have the opportunity to provide input throughout the process and authorization to resolve every claim. Not only do they have input into how a claim is handled, they are able to select the attorneys they want to defend them in the event a claim progresses to litigation. We keep our Members apprised of all developments and encourage active involvement of our Members.

Members have the option to settle minor property damage claims within their deductible. URMA staff can provide advice and/or assistance in the settlement of any Member handled claim.

Members are encouraged to utilize a variety of claims reports to assist them in their risk management efforts.