Real-World Results

Captive Carrier: What Files to Fight

Captive Carrier

Challenge

The carrier wanted to confidently defend more cases at trial — without increasing exposure.

How NaVel® Helped

NaVel® scoring trends were monitored across multiple months to identify claims with stable, manageable risk profiles.

  • NaVel® Score remained at 5 over multiple months
  • Pretrial demand was at policy limits
  • Decision: Proceed to trial

Outcome

  • Matter settled for less than 50% of policy limits
  • Defense strategy validated
  • Litigation confidence strengthened

Impact

  • More strategic trial decisions
  • Reduced unnecessary settlements
  • Data-backed defense posture

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