{"slug":"settlement-offer-letter","source_name":"settlement-offer-letter","name":"Settlement Offer Letter","description":"When drafting an insurer's settlement offer to a claimant, write in the protective clauses a claims professional never omits — the scope of the release being bought, that paying is not an admission of fault, that liens and subrogation interests must be cleared before or out of the payment, the tax-reporting caveat, and how and by when the offer must be accepted. Use when an adjuster or claims team is putting a monetary offer in writing to settle a bodily-injury or property claim. Do NOT use for evaluating what a claim is worth, for coverage decisions, for first-notice-of-loss intake, or for drafting the formal release contract itself.","version":1,"lift":{"pass_rate_delta_pts":null,"pass_rate_pct":42.9,"total_cases":14,"passed_cases":6,"tokens_delta_pct":421.4,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.5-flash","grading_method":"judged","completed_at":"2026-07-10T19:07:46.933530+00:00"},"skill_score":null,"benchmark_models":[{"model":"gemini-3.5-flash","headline":false,"delta_pts":null,"with_pass_pct":null,"without_pass_pct":null,"tokens_delta_pct":421.4,"turns_delta_pct":0,"total_cases":14,"cases_aggregated":14,"verdict":"mixed","never_hurt":true,"completed_at":"2026-07-10T19:07:46.933530+00:00","run_id":"9e203f13-5ceb-4ce1-bb30-20ef591af10b","version_number":1,"is_latest_version":true,"gate":"not_comparable"}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":false},"license":null,"install_count":0,"manifest_hash":"e7d38213a460f948b9e15740189c52b2fd2a5b3603eed610ca8845ed19af8508","raw_url":"https://app.decimal.ai/s/settlement-offer-letter/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/settlement-offer-letter"}