The insurance arrangement behind the supplemental coverage is where things get interesting for the industry. The actual policy was issued by ACE American Insurance Company, referred to in the case as Chubb. Under that policy, Chubb was the insurer, Hertz was the named insured, and Rakhimov and the passengers were additional insureds. Claims handling was delegated to ESIS, Inc., a wholly owned subsidiary of Chubb designated as the third-party claims administrator. ESIS was responsible for opening claim files, establishing reserves, investigating claims, retaining defense counsel, and settling claims within discretionary limits of $25,000 per person and $50,000 per accident.
