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Why Lenders Need Claims & Recovery Solutions
Traditional claims programs weren’t built for rising frequency, higher severity, and declining recovery performance, but ours is. Lee & Mason delivers a high-performance, in-house claims operation built specifically to protect auto lenders from today’s risks. The result: lower effective loss ratios, greater rate and deductible stability, auditable claims processes, and stronger recovery performance.
Key Benefits
- Lower effective loss ratios through stronger locate and recovery performance
- Faster claim resolution for both skip and physical damage
- Greater rate and deductible stability even as market severity rises
- Persistent post-claim pursuit that offsets paid losses
- Clear, auditable processes across the entire claims lifecycle
- Includes full appraisal, review, and adjudication
- Built for efficiency without sacrificing accuracy
Features & Capabilities
- 12 dedicated claims professionals
- 9 licensed adjusters + 3 administrative staff
- A dedicated remarketing team
- About 5,300 skip claims and around 3,680 physical damage claims adjudicated annually
Ready to learn more about our Claims Management services?
Number of Claims for 2025
Skip Claims
A multi-vendor, performance-driven model that prioritizes results:
- 9 external skip tracers, with assignment volume tied to prior-quarter success
- Files reassigned at 45 days if no progress
- 65% locate rate before claim payment
- Continued pursuit after payment, with new assignments every 45 days
- About 25% post-payment locate rate
When a vehicle is recovered, our team manages transport, auction, and remarketing to deliver the strongest possible financial return.
Yearly Impact: More than $7M in recoveries returned to client programs annually.
Physical Damage Claims
We actively manage our appraisal vendor network to drive efficiency, control costs, and maintain consistent turnaround times.
- 6.24 days from receipt to payment (this includes the time it takes for us to physically inspect the vehicle and write an estimate)
- 1.53 days from appraisal to paid (we work claims for settlement and pay them quickly once we have the estimate)
GAP Claims
Our team actively oversees the settlement process to ensure timely claim resolution.
- 1.6 days from receipt to payment
Why Lenders Choose Lee & Mason
1. Stronger Skip Tracing & Vendor Management
- Multi-vendor model with clear SLAs
- Address perfection, VIN/title verification, and real-time reporting
- Hands-on QA and escalation procedures
Results: About 70% positive resolution rate (locate, redeem, or recovery), often double what lenders experienced before partnering with Lee & Mason.
2. Persistent Post-Claim Recovery
We don’t stop when a claim closes. We continue pursuing vehicles after payment, and every recovery offsets your loss ratio.
- Over $7M in recoveries over the past 12 months
- Persistent, structured follow-up until all avenues are exhausted
3. Smarter, Performance-Focused Remarketing
Our remarketing specialists manage the entire process with an emphasis on net financial return:
- Transport logistics
- Condition assessment and reporting
- Auction and sales channel strategy
- Cycle-time optimization
Ready to Improve Claim Outcomes?
If claim counts, severities, or locate performance are impacting your program, our team can provide a comparative claims review to show where gains are possible.