Non-binding, with Mediator’s Recommendation if requested, or binding Mediation if mutually agreed by all parties that Mediator will determine final settlement amount(s)


Binding ruling by Arbitrator, with options for type of award (Standard, Reasoned, or Findings of Fact and Conclusions of Law)

Arb/Med Hybrid

To be determined on a case-by-case basis; case begins as mediation or arbitration and, during the process, the parties mutually agree that certain issues/claims are appropriate for mediation/negotiation, and others are appropriate for binding arbitration/ruling; if mediated claims cannot be resolved, a binding ruling is issued

Appraisal Umpire

Appraisers for each party, insured and carrier, submit written damages appraisals with supporting documents/reports; then either informal meeting or hearing is conducted, after which Umpire issues written damages Award