06026 ISO Claims Solutions
Transcription
06026 ISO Claims Solutions
CLAIMS ANALYSIS CLAIMS REPORTING CLAIMS INVESTIGATIONS ISO Claims Solutions The property/casualty industry’s only comprehensive claims information system — ISO ClaimSearch® — and integrated solutions for improving claims processing and fighting fraud Table of Contents Claims Reporting Claims Investigations Claims Analysis ISO ClaimSearch — The All-Claims Database . . . . . . . . . . . . . . . . . 2 • Privacy and Security . . . . . . . . . . . . . . . . . 2 • What’s in the Database Segments . . . . . 3 Claims Inquiry . . . . . . . . . . . . . . . . . . . . . . . . . . 6 ClaimDirector . . . . . . . . . . . . . . . . . . . . . . . . . 12 ClaimSearch Illustrator . . . . . . . . . . . . . . . . . . . 6 Account Management . . . . . . . . . . . . . . . . . 13 OFAC Compliance Service . . . . . . . . . . . . . . . . . 6 ISO Claims Outcome Advisor . . . . . . . . . . . . 13 OFAC LookUp . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 ISO Liability Advisor . . . . . . . . . . . . . . . . . . . . 13 Claims Reporting and Processing . . . . . . . . . . 4 Universal Format . . . . . . . . . . . . . . . . . . . . . . . . 4 AMA Physician Search . . . . . . . . . . . . . . . . . . . 8 Statutory and Regulatory Reporting . . . . . . . 4 EDR Indicator . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 NMVTIS Reporting Service . . . . . . . . . . . . . . . . 4 Medicare Secondary Payer Reporting Service . . . . . . . . . . . . . . . . . . . . . . . 5 VIN Decoding with NICB VINassist . . . . . . . . . . . . . . . . . . . . . . . . . 8 NICB Questionable Claims Referrals . . . . . . . . 8 Child Support Enforcement Agency Reporting Service . . . . . . . . . . . . . . . . . . . . . . 5 wcPrism . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Decision Net . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 • Public, Criminal, and Medical Records . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 • Police and Motor Vehicle Reports . . . . . . 9 • EDR Investigate . . . . . . . . . . . . . . . . . . . . . 9 Append-DS . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Link Analysis and Data Visualization . . . . . . 10 • NetMap Suite of Products . . . . . . . . . . . 10 • ViewLink Manager . . . . . . . . . . . . . . . . . 11 SIU Case Manager . . . . . . . . . . . . . . . . . . . . . .11 ISO Claims Solutions help combat property/casualty insurance fraud with powerful integrated tools. ISO Claims Solutions provide a wide variety of integrated tools to help you at every step of the claims process. ISO’s claims-management, analysis, investigation, and support services can help you improve and streamline your workflow and increase service, productivity, and profitability. At the core of ISO Claims Solutions is ISO ClaimSearch® — a comprehensive system that claims and investigations professionals use to find vital data on property, casualty, and automobile claims, including physical damage, theft, and salvage information. ISO ClaimSearch is a contributory database that features a secure Internet platform and a stringent privacy and security policy. The system supplies the data you need to improve claims processing and avoid paying questionable or fraudulent claims. ISO ClaimSearch helps you research prior loss histories, identify claims patterns, and detect fraud. ISO ClaimSearch serves thousands of insurers, representing more than 93 percent of the property/casualty industry by premium volume. Our system also serves state workers compensation insurance funds, self-insureds, third-party administrators (TPAs), fraud bureaus, and law enforcement entities. And to expand the power of ISO ClaimSearch, ISO offers a variety of other powerful tools. The result? You’ll improve your claims reporting, investigations, and analysis — and fight insurance fraud head on. Claims Reporting ISO ClaimSearch® — The All-Claims Database With data on property, casualty, and vehicle claims, ISO ClaimSearch® is the insurance industry’s most comprehensive resource for claims professionals. The ISO ClaimSearch database contains information from the former Property Insurance Loss Register (PILR), the former Index system for bodily injury claims, and the vehicle information databases formerly administered by the National Insurance Crime Bureau (NICB). Today, all of those claims are part of a single database that lets you search all lines of business and all types of claims simultaneously. The ISO ClaimSearch database has three major segments — casualty, property, and auto. Each segment contains comprehensive information on claims submitted by hundreds of insurers and other users. You can participate in one or more segments of the database. Privacy and Security Given the sensitive nature of the information in the ISO ClaimSearch database, ISO has adopted a special privacy and security policy that complies with federal and state privacy legislation, as well as the National Association of Insurance Commissioners’ Insurance Information and Privacy Protection Model Act and the federal Health Insurance Portability and Accountability Act (HIPAA). 2 What’s in the Database Segments? Casualty segment* Property segment Auto segment • workers compensation • auto liability • medical payments • personal injury protection • auto medical payments • homeowners liability • general liability • disability • medical malpractice • personal injury • employment practices liability • directors and officers liability • errors and omissions • homeowners • farmowners • fire • allied lines • commercial multiperil • ocean marine • inland marine • burglary and theft • credit • livestock • fidelity and surety • vehicle theft claims • vehicle theft recoveries • salvage • exports • impound records • rental vehicles • vehicle reports • Vehicle Claims System (VCS) • international salvage and thefts • auto physical-damage claims *ISO acquired a database of personal injury claims from maritime employees and third parties in the maritime industry from the Marine Index Bureau, Inc. (MIB). ISO has integrated that database into the casualty segment of the ISO ClaimSearch database. 3 Claims Reporting Claims Reporting and Processing Claims reporting, also known as the claim-processing service, is the primary service of the ISO ClaimSearch system. To use the service, you can submit a claim report through your own claims system or the ISO ClaimSearch website. In return, the system provides a match report with information on other claims filed by the same individual or business. When you submit a claim, the system uses “fuzzy logic” name-and-address searching — a phonetic search that recognizes alternative spellings, such as Green and Greene or Smith and Smyth. And the system checks possible nicknames and alternative forms of a name, such as Elizabeth, Liz, Lizzie, and Beth. The system uses its advanced “address hygiene” function to standardize address information. The system also checks the validity of all information you submit to the database. For example, the system will make sure that the ZIP code and state you submit to the database are compatible. And the system will check to make sure the reported vehicle identification number is a valid number. The system then searches the database for other claims with matching information in key data fields, such as: • name • address • vehicle identification number (VIN) • tax identification number (TIN) • Social Security number (SSN) • license plate number • driver’s license number • telephone number 4 You can access the ISO ClaimSearch system through several electronic transmission methods, including: • ISOnetSM — ISO’s information service for insurance professionals • batch and interactive system-to-system transmissions in a number of formats Universal Format ISO has created a new Universal Format for claims reporting and system output. Universal Format provides more data fields — across all insurance types — to help you research prior loss histories and receive search results across lines of business. Statutory and Regulatory Reporting In states with statutory or regulatory reporting requirements, ISO ClaimSearch provides the required claims data to state fraud bureaus, fire marshals, or other entities on behalf of insurers. The added service reduces your workload and costs. Some states have direct access to the ISO ClaimSearch system for follow-up on individual cases. NMVTIS Reporting Service You can report total-loss information through the ISO ClaimSearch NMVTIS Reporting Service to comply with the National Motor Vehicle Title Information System (NMVTIS) reporting requirements. The Anti-Car Theft Act of 1992 established NMVTIS to help prevent the introduction or reintroduction of stolen and salvaged motor vehicles into interstate commerce. The American Association of Motor Vehicle Administrators (AAMVA) operates the service. Medicare Secondary Payer Reporting Service ISO ClaimSearch offers the Medicare Secondary Payer Reporting Service to help you comply with Section 111 of the Medicare, Medicaid, and SCHIP Extension Act of 2007 (P.L. 110-173). When you report claims to ISO ClaimSearch, the service reports claims data on Medicare-eligible claimants to the Department of Health and Human Services Centers for Medicare & Medicaid Services (CMS) on your company’s behalf. Child Support Enforcement Agency Reporting Service The Child Support Enforcement Agency (CSEA) Reporting Service helps you comply with state requirements to support the collection of delinquent child support payments. The service features two programs: • The Child Support Lien Network (CSLN) program interfaces with the CSLN database containing information on delinquent child support obligors in a number of states. • The Office of Child Support Enforcement (OCSE) program interfaces with the federal OCSE database containing information on delinquent child support obligors in a number of states and the District of Columbia. Because the OCSE and CSLN programs have different participating states — and may maintain different information on delinquent child support obligors — you could benefit by participating in both services. When you submit a claim report from a participating state, ISO ClaimSearch will search the CSLN and OCSE databases. If the claim matches a record in one or both databases, the system will send the claim to the CSLN and/or the OCSE. The CSLN and/or the OCSE will then refer the claim to the appropriate state child support agency. wcPrismTM wcPrismTM is a comprehensive suite of data-management and compliance solutions to help workers comp carriers effectively handle growing reporting and datamanagement challenges. From a single transactional data feed, the wcPrism suite can handle all your workers comp reporting needs for unit statistical, FROI and SROI, detailed medical, aggregate financial, policy, detailed claim information and individual case, and proof-of-coverage reporting. ISO’s wcPrism can satisfy multiple output requirements of various internal and external users, including the feed to ISO ClaimSearch. 5 Claims Investigations Claims Inquiry OFAC Compliance Service Special investigations units (SIUs) and claims personnel use ISO ClaimSearch® Claims Inquiry for follow-up fraud investigations. Users may customize queries to search on any field of information to support a specific claims investigation. ISO ClaimSearch offers OFAC Compliance Service — the automated way to check claimants and other contacts against the government’s watch list of potential terrorists and drug traffickers. Once you report a claim to ISO ClaimSearch, you can submit queries online, in real time, to receive instant search results. You can search across all property, casualty, and vehicle claims. System reports provide you with thorough information to help identify a claimant’s or insured’s full loss profile, individuals with suspicious patterns of claims, and fraud-ring activity. ClaimSearch IllustratorTM ClaimSearch IllustratorTM is an easy-to-use desktop application that helps you visualize relationships among data elements within ISO ClaimSearch claims records. Match reports from the ISO ClaimSearch system often contain pages of comprehensive information on matching claims histories. ClaimSearch Illustrator uses pictures and icons to create presentation-quality graphics that display connections among data elements from the reports — so you can decide if a claim needs further investigation. ClaimSearch Illustrator is a perfect complement to ViewLink ManagerTM and NetMap for ClaimsTM — two powerful link-analysis and data-visualization products that help you spot fraud quickly. You can use ClaimSearch Illustrator to review claim records in a graphic illustration and then use the analytical tools within ViewLink Manager or NetMap for Claims to provide in-depth analysis for your investigations. 6 The Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury administers and enforces economic and trade sanctions against certain foreign governments, organizations, and individuals. OFAC has compiled a master list of more than 5,000 “specially designated nationals and blocked persons.” U.S. insurance companies and their employees are responsible for screening claims against that master list. If your company subscribes to the OFAC service, the system will automatically search your daily claims against the OFAC watch list, without additional effort on your part. If the system finds a match, we’ll notify your designated company representative by e-mail. ISO offers the service in four tiers: 1. Standard Service: ISO compares all involved parties against the OFAC watch list. The comparison includes businesses and individuals based on name (plus aliases) and date of birth. 2. Premium Service: In addition to the standard service, ISO will automatically perform publicrecords searches to help you verify the identity of individuals or businesses. 3. Historical Sweep: You have the option of searching all claims previously submitted to the system or searching claims submissions over a specific segment of time, such as the last two years or the last five years. 4. Enterprisewide Service: ISO conducts searches on individuals and businesses for all departments within your organization. Your claims, human resources, accounts payable, and other departments can perform searches against the OFAC watch list. OFAC LookUp ISO ClaimSearch also offers OFAC LookUp service, which allows you to initiate a query to check if a name is on the OFAC master list. Decision Net® users can enhance their OFAC queries with public-records searches. OFAC LookUp is not a replacement for the OFAC Compliance Service, which automatically checks all your incoming claim reports against the OFAC lists without additional effort on your part. 7 Claims Investigations AMA Physician Search ISO ClaimSearch customers that belong to the National Insurance Crime Bureau (NICB) and have access to the NICB’s QuestTECHSM through ISO ClaimSearch — and/or SIU-level access — can search the American Medical Association (AMA) physician master file. The AMA physician search provides active and historical license data on medical doctors (M.D.) and doctors of osteopathy (D.O.), as well as any associated disciplinary flags the individuals have on file. Contact the NICB Technical Support Group at 708-237-4400 with questions about AMA physician searches. EDR Indicator Through an alliance with Injury Sciences LLC, ISO ClaimSearch provides insurers with objective information on automobile accidents from vehicle event data recorders (EDRs). If an EDR is available for any of the vehicles referenced in a claim, you’ll receive an EDR indicator in the ISO ClaimSearch match report, as well as details on the types of information that may be available. If you wish to get data from the EDR, you can submit a data-harvest request through EDR Investigate®, a Decision Net service. For more information, see EDR Investigate on page 9. VIN Decoding with NICB VINassist® ISO’s VIN decoding with NICB VINassist® is a web-based, encrypted application that allows you to edit and decode 17-character vehicle identification numbers. Errors found in VINs may denote a number of circumstances, such as incorrectly or erroneously recorded or altered VINs, VINs switched from other vehicles, or VINs that describe vehicles never manufactured. NICB Questionable Claims Referrals An EDR, better known as a vehicle “black box,” can record and store facts that provide a remarkable level of precision and insight into the circumstances surrounding an accident — exactly the information you need to enhance your claims evaluation process. 8 National Insurance Crime Bureau members can refer claims to the NICB through ISO ClaimSearch. Even ISO ClaimSearch participants that are not NICB members can satisfy statutory reporting requirements by referring suspicious claims to the NICB and to state fraud bureaus and state fire marshals. Decision Net® ISO ClaimSearch offers Decision Net® — your one-stop source of information for claims analysis and investigations. Decision Net provides access to public records, criminal records, medical records, police reports, and motor vehicle reports. With Decision Net, you’ll: • locate witnesses, claimants, and other parties • find missing information about insureds and claimants for claim files • investigate suspicious claims, suspicious individuals, and fraud • settle meritorious claims faster Public Records Search the world’s largest repository of information on individuals and businesses and retrieve information going as far back as 30 years. The system delivers information on more than 165 million households and supplies names, addresses, telephone numbers, Social Security numbers, property/assets data, bankruptcy records, civil judgment records, and other vital information. Criminal Records Search the broadest range of criminal and civil records available today. The system offers more than 175 searches, with access to more than 100 million federal, state, and county criminal and civil records nationwide. Medical Records Order, track, and retrieve medical records online. You submit your request, and we work with the relevant medical provider to secure the records you need, including x-ray reports and medical bills. We use an active database of more than 700,000 providers, including hospitals, clinics, physician offices, chiropractors, pharmacists, and radiologists. The medical records service also offers consolidated monthly service invoices. Police Reports Order a variety of police, fire, coroner, and department of motor vehicles (DMV) reports from tens of thousands of agencies, with complete nationwide coverage. Motor Vehicle Reports Order motor vehicle reports (MVRs) that supply timely, comprehensive, and reliable information on an individual’s driving history, including driver’s license information and driving restrictions. EDR Investigate® EDR Investigate® uses sophisticated forensic technology to provide an objective analysis of the complex variables involved in automobile accidents. The service includes retrieval of data from vehicle event data recorders. When you submit a data-harvest request for an EDR Investigate report, a member of Injury Sciences’ network of service providers located throughout the United States will harvest the EDR. Injury Sciences will then analyze the data from the EDR device and provide a comprehensive online report describing characteristics of the accident, including: • vehicle speed at the time of the accident • seat belt use • braking activity • severity of impact • sequence of events in multicar collisions The result? You’ll be able to improve the review of automobile accident claims, verify the information provided by involved parties, and increase your ability to detect fraudulent claims. 9 Claims Investigations [CLAIM] 11701AB (L:8)(N:6)(NG:0) [CLAIM] 41161849 (L:10)(N:6)(NG:0) [CLAIM] 54238419 (L:12)(N:8)(NG:0) [CLAIM] WL54238419 (L:8)(N:4)(NG:0) [CLAIM] CDTEST (L:1)(N:1)(NG:0) [CLAIM] CDTEST01 (L:1)(N:1)(NG:0) [CLAIM] 54238421042981 (L:5)(N:3)(NG:0) [CLAIM] 011000011059959 (L:7)(N:5)(NG:0) [CLAIM] 620514929 (L:9)(N:5)(NG:0) [NAME] LUCIDO’S (L:5)(N:5)(NG:0) [ROLE] INSURED (L:27)(N:1)(NG:0) [ROLE] INSURED DRIVER (L:4)(N:1)(NG:0) [ROLE] CLAIMANT DRIVER (L:1)(N:1)(NG:0) [ID.NO.] 15384001 (L:10)(N:1)(NG:0) [ADDRESS] 2040 WEST SPRING CREEK PLANO TX (L:1)(N:1)(NG:0) [ADDRESS] 6757 ARAPAHO BLVD PLANO TX (L:1)(N:1)(NG:0) [ADDRESS] ARAPHO PLANO TX (L:1)(N:1)(NG:0) [ADDRESS] 2040 W. SPRING CREEK PLANO TX 75023 (L:6)(N:1)(NG:0) [ADDRESS] 2040 W.SPRING CRK 141-201 PLANO TX 75023 (L:1)(N:1)(NG:0) [ADDRESS] 1234 MAIN STREET PLANO TX (L:1)(N:1)(NG:0) [ADDRESS] 2040 W SPRING CREEK PKWY PLANO TX 750234225 (L:1)(N:1)(NG:0 Append-DS SM [ADDRESS] 2040 SPRING CREEK PKWY PLANO TX 75032 (L:1)(N:1)(NG:0) [PHONE] 2142464878 (L:3)(N:1)(NG:0) [PHONE] 9725171477 (L:1)(N:1)(NG:0) ISO offers Append-DS — or Append Data and Search — a service that can significantly improve match results from the ISO ClaimSearch database. When you submit a claim to ISO ClaimSearch without a Social Security number, the system will find the number through a public-records search. The ISO ClaimSearch system will use the Social Security number to enhance the search and return matching claims information. You can choose to add the information to the claim report in the ISO ClaimSearch database by filing a supplemental report. SM Link Analysis and Data Visualization ISO offers four decisive link-analysis and datavisualization weapons to help investigators fight against insurance fraud. NetMap for ClaimsTM NetMap for ClaimsTM analyzes data to find internal and external fraud by sifting through the large quantities of data in a company’s internal databases, the ISO ClaimSearch database, and data from the Decision 10 Net public-records portal. The software finds hidden connections, such as parties linked to multiple addresses, telephone numbers, vehicles, and claims. In seconds, the software produces a graphic picture of those relationships — the footprint of fraud. Other NetMap® products allow you to focus exclusively on external or internal fraud: • NetMap for ClaimSearchTM accesses the ISO ClaimSearch database to investigate external claims fraud. • NetMap for Claims – InternalTM analyzes a company’s checks and payments to find internal fraud. • NetMap CoreTM analyzes an organization’s data — in any business or industry — to investigate criminal cases, eliminate data irregularities, perform market research, and segment customers. [NAME] WILSON, ANITA (L:9)(N:4)(NG:0) [NAME] BISMACK AUTO BODY SHOP (L:4)(N:3)(NG:0) [NAME] WILSON, ANITA, RENE (L:4)(N:2)(NG:0) [NAME] WILSON, ANITA, R (L:11)(N:4)(NG:0) [NAME] YOUNG, LINDA, COLEMAN (L:1)(N:1)(NG:0) [ROLE] BODY SHOP (L:3)(N:2)(NG:0) [ADDRESS] 2341 ROYAL LANE DALLAS TX 75299 (L:1)(N:1)(NG:0) [PHONE] 2142471611 (L:1)(N:1)(NG:0) [LICENSE] PKH56Z (L:6)(N:4)(NG:0) [LICENSE] TFT65T (L:8)(N:5)(NG:0) [VIN] WBAHC2310LBE28640 (L:16)(N:10)(NG:1) 0) ViewLink ManagerTM ViewLink ManagerTM is a desktop software application that supports claims investigations at the level of the individual investigator or claims handler. ViewLink Manager uses data analysis and visualization technology from NetMap Analytics and principles of link analysis to analyze ISO ClaimSearch data. The software lets you query the ISO ClaimSearch database and public-records sources and retrieve, visualize, and analyze data on your own personal computer. ViewLink Manager also applies “red flags” to claims — for example, names linked with several claims or VIN numbers linked with more than one individual — that can highlight suspicious claim characteristics. SIU Case Manager ISO and the National Insurance Crime Bureau have collaborated to develop a new antifraud tool — SIU Case Manager (SCM). The platform integrates many of the functions associated with claims and underwriting investigations. SIU Case Manager helps you document, assign, report, and manage investigative assignments. The platform includes a customer response diary, expense tracking, time-triggered mailings, and streamlined NICB and state fraud bureau reporting features. SIU Case Manager helps automate SIU workflow and enhance productivity. ViewLink Manager is easy to set up and use. It’s available on CD-ROM with an accompanying training CD. 11 Claims Analysis ClaimDirector SM ISO offers ClaimDirectorSM — a scoring system that helps distinguish between suspicious and meritorious claims. When you submit a claim to ISO ClaimSearch®, ClaimDirector compares the attributes of the claim against proven fraud indicators appropriate for the claim. The system develops a score based on: • the claim’s attributes • matching claims information, including the frequency and type of matches found in the ISO ClaimSearch database • information on involved parties ClaimDirector can help you: • streamline the claims-handling workflow • quickly identify important loss-assignment and claims-handling characteristics • analyze claimants’ or insureds’ histories across multiple lines of business • improve financial results 12 Account Management Participants can access account-management information, including management reports and billing details, for ISO ClaimSearch, Decision Net®, and ClaimDirector. Management reports include: • Integrated Statistics Report — a summary of claims volume by office and line of business • Online Utilization Report — a summary of claims reporting and personal claims inquiry activity • Executive Analysis Report — a tool that lets you benchmark your company’s ISO ClaimSearch database claim volume and optional field reporting against the industry ISO Claims Outcome Advisor® ISO Claims Outcome Advisor® for Bodily Injury is an innovative claims-management system that helps administer the multiple dimensions of your personal injury claims. Relying on state-of-the-art technology — and a database of your own injury claims — ISO Claims Outcome Advisor for Bodily Injury will help you effectively manage the unique and increasingly complex medical, legal, and occupational issues presented by personal injury claims. ISO Claims Outcome Advisor for Bodily Injury will help you negotiate consistent and appropriate financial settlements. You’ll manage all aspects of your bodily injury cases — from first notice of loss to return-to-work plans, rehabilitation, and damages. ISO Liability AdvisorTM ISO offers ISO Liability AdvisorTM, a powerful tool to help claims professionals better evaluate accidentrelated comparative liability claims. The tool features a relational database that helps you report and track comparative liability. ISO Liability Advisor makes it easy to navigate even the toughest comparative liability cases consistently, accurately, and efficiently. The solution gives your newest staff members the experience of your most seasoned claims handlers. For additional information on ISO Claims Outcome Advisor and ISO Liability Advisor, contact ISO Claims Services by telephone at 803-731-6670, or send e-mail to [email protected]. 13 Training and Support For more information To help you get the most from ISO ClaimSearch®, ISO provides training. ISO’s customer service staff is ready to assist you by telephone during normal business hours. ISO offers print and multimedia training resources, online training sessions, and in-person training for large groups. Please call ISO ClaimSearch Customer Support at 1-800-888-4476 to arrange for training. Or send e-mail to [email protected]. To learn more about ISO ClaimSearch®, please contact us: Write: ISO ClaimSearch 545 Washington Boulevard, 22-11 Jersey City, NJ 07310-1686 Phone: 1-800-888-4476 E-mail: [email protected] www.iso.com © Insurance Services Office, Inc., 2005, 2009. ISO, the ISO logo, and ISO ClaimSearch are registered trademarks; ViewLink Manager and wcPrism are trademarks; and ClaimDirector, Append-DS, and ISOnet are service marks of Insurance Services Office, Inc. Decision Net and EDR Investigate are registered trademarks and ClaimSearch Illustrator is a trademark of ISO Services, Inc. NetMap and Claims Outcome Advisor are registered trademarks and NetMap for Claims, NetMap for ClaimSearch, NetMap for Claims – Internal, NetMap Core, and ISO Liability Advisor are trademarks of ISO Claims Services, Inc. NICB and VINassist are registered trademarks and QuestTECH is a service mark of the National Insurance Crime Bureau. All other product or corporate names are trademarks or registered trademarks of their respective companies. CLS010(4/09)z09026 545 Washington Boulevard Jersey City, NJ 07310-1686 201-469-2000 www.iso.com