Which responses by the insurer would result in a claim falling outside the portal process?

The choice that identifies a situation where a claim would fall outside the portal process is when the insurer admits liability after 20 days but also alleges contributory negligence.

In the context of motor insurance claims, the portal process is designed to handle straightforward claims efficiently. When an insurer admits liability, the claim is more likely to remain within the portal if the admission is made within the necessary timeframe. However, the introduction of contributory negligence complicates the claim. By alleging contributory negligence, the insurer introduces a defensive claim that typically requires further investigation and discussion about the extent of liability, thus making it suitable to move outside the streamlined portal process.

This situation signals that there may be shared responsibility for the accident between the parties involved, which needs a more detailed examination than that available within the portal. The existence of contributory negligence implies that the case could involve more complex negotiations or legal assessments on the division of liability, therefore necessitating a move beyond the rapid handling that the portal provides.

This understanding of when claims deviate from the portal process is essential for handling motor insurance claims effectively, ensuring that all aspects of liability can be thoroughly assessed and discussed.