When an accident claim is filed involving a railroad your first step should be to call in experienced railroad claims adjusters.
Thousands of accidents happen each year involving railroads and the railroad companies have long established systems for dealing with them. Insurance claims adjusters without extensive background in railway rules and operations are at a serious disadvantage.
Typically the railroad issues a claim against the insuring company using a set of internal guidelines and formulas that may have little to do with what damages actually were suffered and whether the insured is even liable. A further complication is that each railroad has its own rules and formulas for determining damages which require years of experience to understand.