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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
- Average processing time for Physical Damage:
- Under 1 week from receipt to payment (this includes the time it takes for us to physically inspect the vehicle and write an estimate)
- Less than 2 days from appraisal to paid (we work claims for settlement and pay them quickly once we have the estimate)
- GAP processing time: less than 2 days from receipt to payment
Ready to learn more about our Claims Management services?
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.
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.