What should Sanjay’s primary goal be as a claims representative in an at-fault accident case?

As a claims representative, Sanjay's primary goal should focus on protecting the policyholder from out-of-pocket loss. This means ensuring that the policyholder receives the coverage they are entitled to under their policy when they are involved in an at-fault accident. The essence of insurance is to provide financial protection for policyholders against certain risks, and an effective claims representative plays a crucial role in facilitating this protection.

By prioritizing the policyholder's needs and ensuring they are fairly compensated for their losses, Sanjay not only uphold their fiduciary duty to the policyholder but also reinforces trust in the insurance process. This approach aligns with the ethical standards expected in the industry, where the aim is to provide equitable treatment to clients while adhering to the terms of the insurance contract.

In contrast, focusing primarily on minimizing payouts or settling claims quickly may compromise the policyholder's rights and diminish their experience with the insurance provider. Addressing potential fraud does have its importance, but it should not overshadow the primary responsibility of providing support and protection to the insured party in their time of need.