Advantages:* Convenience to customers: A claims adjuster can perform on-the-spot issuance of cards once assessing overall damage to a home.

* User flexibility: A Visa-branded ClaimsCard is accepted at far more locations than personal checks would be. This takes on added meaning in a case where a customer must evacuate their home in the middle of the night.

* Cost savings: Claims card adopters, such as Amica Mutual Insurance Co., believe that plastic is cheaper than issuing claims checks.

* Customer retention: Providing funds more quickly to policyholders can help retain customers.

Disadvantages:

* Security: A customer would have to report a stolen card.

* Plastic overload: The last thing many individuals want, or need, is another credit or debit card.

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