Claims Case Studies

At VGM Insurance, we’re passionate about providing resources to help you mitigate risk and reduce losses. Below, you’ll find a scenario – based on a true story – that highlights the importance of proper inventory management. As you read through this real-life claims scenario, you’ll take the point of view of a provider in search of a ventilator that’s gone missing after being rented to a patient for a prolonged period of time. Costing thousands of dollars, many...

In a claim situation, proper documentation is key to determining what really happened, who’s liable, and to what extent. Without this vital information, even a straightforward claim situation can become seemingly impossible. Below you will find an example of a claim, based on a true story, that highlights the importance and power of documentation to protect your business. As a claims adjuster, you will re-open this file, “When a Low Air Loss Mattress Loses Air: The Leak and The Lesion”,...

Have you ever wondered what it’s like to be a claims adjuster? It’s never easy to piece together what happened after the fact. And without proper documentation, determining what really happened, who’s liable, and to what extent can be nearly impossible. Helping our customers mitigate risk is our top priority of VGM Insurance. In this particular scenario – “A Mobility Solution Immobilizes a Patient: The Unhitched Linchpin”, you will get an inside look at a real-life...

Do your employees ever install accessibility equipment in a patient’s home based on the patient’s preferences, instead of the manufacturer’s specifications? While it might seem like a good idea at the time, there’s a lot of risk involved, and without the proper documentation, your company may be liable if any issues arise due to the equipment set up. In this real-life scenario – “Making a Home More Accessible – The Ascending, Rotating Chair”, you...

At VGM Insurance, we are passionate about helping our customers mitigate risk! And what better example to learn from than a real-life claim situation? Below you will find an example of a claim, based on a true story, that truly highlights the importance and power of documentation to protect your business. In this particular scenario – “The Case of the Uncoupled Shroud – Investigating an Exploding Oxygen Concentrator”, you will take the point of view of a claims adjuster...