Tuesday, April 18, 2017


 
You cannot avoid sending nonverbal messages to others; however, it is possible to train yourself to send the right ones. Here are ten nonverbal cues that convey confidence and credibility in the workplace.

Good eye contact.
Eye contact is your primary tool for establishing nonverbal connections with others, says Darlene Price, author of Well Said! Presentations and Conversations That Get Results. “It communicates your level of involvement, interest and warmth. When speaking to others, ideally look directly into their eyes at least two to three seconds before looking away or moving to the next person. Merely glancing at someone for one second or less is known as eye dart and conveys insecurity, anxiety or evasion.” The next time you’re in a meeting or giving a speech, ask a friend to count how long you look at specific individuals and if you visually engage with everyone in the room.

A confident handshake.
Communicating through touch is another important nonverbal behavior. “Always put your hand out to shake hands,” says Patti Wood, a body language expert and author of Snap: Making the Most of First Impressions, Body Language, and Charisma. “A classic good handshake is one with full palm to palm contact.”

In business, the handshake is often the only appropriate expression of touch so it’s critical to have a good one, Price adds. “A good handshake consists of a full and firm handclasp with palms embraced web to web. Shake up and down once or twice, coupled with a sincere smile and eye contact. Avoid the extremes of either a weak limp handshake or an aggressive bone-crushing one. Strike the right balance—firm enough to convey confidence yet matched to the strength of the other person. Treat men and women with equal respect when shaking hands. Gender makes no difference, and either may initiate the handshake.”

Effective gestures.
A gesture is any physical movement that helps express an idea, opinion or emotion. “Strive to punctuate your words with movement that is natural, lively, purposeful and spontaneous,” Price says. “Be genuinely yourself and let your motions match your message. Avoid common distracting mannerisms such as finger-pointing, fidgeting, scratching, tapping, playing with hair, wringing hands, and twisting a ring.”

Dressing the part.
Shakespeare asserts in Hamlet, “For the apparel oft proclaims the man.” For men and women, clothing speaks volumes in the workplace, Price says. “Make sure ‘business casual’ is not ‘business careless.’ Choose high quality, well-tailored garments that convey professionalism. Depending on your corporate culture, wear a business suit or at least a jacket for important meetings and presentations, especially with senior leaders and customers. Avoid showy accessories, busy patterns, tight
garments and revealing necklines.” Dress for the job you want, not the job you have. If career advancement is your goal, convey a polished professional presence in the workplace.


To complement your business attire, take steps to control perspiration; avoid cologne or perfume due to others’ possible allergies and sensitivities to smell; ensure fresh breath; and keep nails and hands neatly manicured, Price suggests.

Authoritative posture and presence.

• “Take up space,” Wood says. Use the arms on the chair, or stand with your feet a bit apart. “A female leg stance in
North America is with the feet typically 4 to 6 inches apart, and a male power stance starts with the feet more than 8 inches apart.” 
Price adds, “When you stand up tall and straight, you send a message of self-assurance, authority and energy.” Whether standing or sitting, imagine a string gently pulling your head and spine toward the ceiling. Your weight is evenly balanced, feet solidly on the floor, arms and hands visible, relaxed and uncrossed. “Good posture creates a dynamic commanding presence and an attitude of leadership. Conversely, bad posture signals to others that you lack confidence and have low self-esteem or low energy levels.”

Appropriate facial expressions.
“Each of the seven basic human emotions (anger, contempt, disgust, fear, happiness, sadness and surprise) has been scientifically proven to have a certain facial expression associated with it,” Price says. “Because your facial expressions are closely tied to emotion, they are often involuntary and unconscious.”

Imagine the mismatched message when a fearful pensive face describes the life-enriching benefits of a new healthcare product. “Become aware of what your face is revealing to observers, and choose the expression that matches your intended message,” she says. “For example, if you want to convey energy and enthusiasm, allow your face to become more animated. Practice in front of a mirror until it looks and feels natural. To show you’re paying attention while listening, hold a very slight smile, nod occasionally, and maintain good eye contact.”

Initiating interactions.

“Be the first to make eye contact, offer your hand to shake, have an idea or solution, go into a room, and make the call,” Wood says. “You can only afford to wait and go last when you are in the C-suite and ready to retire.”

Appropriate voice tone.
If your significant other has ever said to you, “It’s not what you said, it’s how you said it,” they were referring to your paralanguage, Price explains. “Separate from the actual words used, these nonverbal elements of your voice include voice tone, pacing, pausing, volume, inflection, pitch and articulation. Like facial expressions, choosing the appropriate paralanguage is critically important because it conveys emotional meaning, attitude and impact.” Consider recording your side of several conversations throughout the day. Listen to the recordings and identify what your voice tone communicates.

Giving your full attention.
• When speaking with a person, point your toes and square your shoulders toward them, Price says. “This conveys attentiveness and creates open body language.” Avoid angling your body away from them. Lean into the conversation; focus your eyes, ears and energy on them.
“These nonverbal cues clearly convey you respect, honor and appreciate the opportunity to meet with them. Make sure your arms and legs are uncrossed. Also, avoid multi-tasking during the interaction. Don’t check e-mail, look at
your phone, send a text, check the scores, or disengage in
any way. It shows disinterest and disrespect.”


Responding to others' nonverbal cues.

When leading a meeting, speaking to a group, or interacting one- on-one, pay close attention to the other person’s body language and voice tone, Price says. “Listen with your eyes. Their nonverbal cues can tell you when they: have a question, want to say something, agree or disagree, need a break, require more explanation, or have an emotional response.” By responding appropriately to others’ cues, you not only convey confidence in yourself, you show a high level of empathy

 

 

 

 

Saturday, August 20, 2016




Email Best Practices (Tips)


Claims customer care email is of major importance. Always include the claim number or other identifying information.  If available, Place a copy of the carrier logo on the email. What follows is a list of Best Practices for e-mail etiquette that allows you to communicate with claims customers more effectively:
1. Be extremely careful in using certain keys or functions:
• The bold key, the underline key, and the all caps key are the equivalent of shouting at someone. The exception is their use in titling a document.
• The exclamation point is often used to show anger and frustration.
• The broadcast list function can either save time or clog up the server and burden all the recipients with yet one more e-mail to read.
• The send key sends without any possibility of retrieval.
 2. Determine if e-mail is the best way to cornmunicate a message. Sometimes picking up the phone and speaking with someone directly will result in a more expedient and satisfactory solution.
3. Make absolutely certain that your information is accurate. Because e-mail can be printed, archived, forwarded, and broadcasted, it becomes a permanent, un-erasable document with your name attached to it. Contrary to what the delete key says, e-mail is never permanently deleted and can be retrieved.
4. If you are angry or emotional, don't send an e-mail. Cool off; sleep on it, and then reconsider your response. Once you have determined your response, put yourself in the receiver's place and determine how you would feel receiving it.
5. Reread each e-mail for spelling errors and correct grammar. E-mail is often treated like a "flow of consciousness." In this mode, the attitude can be that if a word is misspelled, so be it. However just as letters shouldn't go out with misspelled words, incomplete sentences, the wrong punctuation, or grammatical errors, e-mail should be afforded the same attention.
6. Keep it fairly short and friendly. Many people limit their e-mails to what can be viewed at one time on the screen. Others limit it to two pages. In any case, don't create an attachment if you can get the same information in the body of the e-mail, unless formatting is important. Then an attachment with bullets and tabs will look and print much better.        
7. Be discriminating when attaching lengthy attachments. They take time to download, especially in remote locations, and time to read. Also, make certain that you attach the correct document.  
8. Consider the volume of e-mail a recipient receives before inclusion in a broadcast list. Also consider if a "cc:" is really needed
9.Be extremely wary of sending anything that could be viewed as sexist, sexual, racist, or disparaging to others. A number of Fortune 500companies have had to fire employees when it was documented that they e-mailed trade secrets, sent racist jokes, or engaged pornographic sites. The stakes are very high in terms of what employees can and can't send via company communications. Aside from losing important proprietary information, law-suits addressing a "hostile workplace environment" can lead to million-dollar lawsuits.
10. Be very careful about marking something "urgent." Use this warning only when it is required.
11. If you have not had any correspondence with someone, introduce yourself with your first e-mail by identifying your company, a mutual colleague, an area of interest, your background, or some important linking.
12. Always update or complete the subject heading on the e-mail. The subject heading should be indicative of the content of the e-mail. This courtesy will help individuals who receive numerous e-mails each day to prioritize those which need action first.
13. If you only e-mail someone periodically, use a greeting and a closing.
14.   If you are in constant and consistent e-mail relationships with data going back and forth many times in one day, it is not nec­essary to use a greeting every time. However, it is polite to do a brief sign-off, like a simple "Thanks." In face-to-face com­munication, we have body language to communicate human­ness. In voice mail, we have words.
15.   If you set up telephone or in-person appointments using e-mail, be certain to follow up to confirm with a phone call. Systems and servers go down and nothing is totally foolproof— technology or one's memory.
16.   Be sure to check your e-mail at least twice a day and more if you receive time-sensitive information. If you are not able to check your e-mail for a period of time be sure to leave an out­going message indicating the date when you will be reading and responding to your messages.
17.   Keep communication clear by marking your e-mail message with FYI or the action that you require. It is important to be thorough and explicit in your communication by directing the recipient on what to do with the information you have provided.
18.   Company e-mail is just that. It belongs to the company. They are paying for it and providing the systems to send and retrieve it. Company e-mail isn't intended for privacy and doesn't provide it. In fact almost 30 percent of companies reg­ularly monitor e-mail according to the American Manage­ment Association. If you want absolute privacy, register for your own account, paid for by you and accessed only on your home computer.
 
 


Thursday, May 5, 2016


 

 

Cellular Phone Use and Texting While Driving Laws  3/10/2016.  The prevalence of cellular phones, new research, and publicized crashes has started many debates related to the role cell phones play in driver distraction.  This chart details state cellular phone use and texting while driving laws.
  • Hand-held Cell Phone Use Ban: 14 states, D.C., Puerto Rico, Guam and the U.S. Virgin Islands prohibit all drivers from using hand-held cell phones while driving.
  • All Cell Phone ban: No state bans all cell phone use for all drivers, but 37 states and D.C. ban all cell phone use by novice or teen drivers, and 20 states and D.C. prohibit any cell phone use for school bus drivers.
  • Text Messaging ban: 46 states, D.C., Puerto Rico, Guam and the U.S. Virgin Islands ban text messaging for all drivers.
    • 2 states prohibit text messaging by novice or teen drivers.
    • 3 states restrict school bus drivers from texting.
Source:  Insurance Institute for Highway Safety 2016.


StatesHand-held ban All cell phone ban Texting ban Enforcement Crash Data Collection 
AlabamaNoDrivers age 16 and 17 who have held an intermediate license for less than 6 months.All driversPrimary: texting by all drivers
Secondary: cell phone use by young drivers
 
AlaskaNoNoAll driversPrimary: texting by all driversYes
ArizonaNoSchool bus driversNoPrimary: cell phone use by school bus drivers 
ArkansasDrivers ages 18 to 20 years of ageSchool bus drivers, drivers younger than 18All driversPrimary: for texting by all drivers and cell phone use by school bus drivers.
Secondary: for cell phone use by young drivers
Yes
CaliforniaAll driversSchool and transit bus drivers and drivers younger than 18All driversPrimary: hand held and texting by all drivers.
Secondary: all cell phone use by young drivers.
Yes
ColoradoNoDrivers younger than 18All driversPrimary: for texting by all drivers and for drivers younger than 18.Yes
ConnecticutAll driversLearner's permit holders, drivers younger than 18, and school bus driversAll driversPrimary: for all offenses. 
DelawareAll driversLearner's permit and intermediate license holders and school bus driversAll driversPrimary: for all offenses.Yes
District of ColumbiaAll driversSchool bus drivers and learner's permit holdersAll driversPrimary: for all offenses.Yes
FloridaNoNoAll drivers (effective 10/01/13)Secondary: for texting by all drivers.Yes
GeorgiaDrivers younger than 18School bus drivers. Drivers younger than 18.All driversPrimary: for all offenses.Yes
HawaiiAll Drivers
(effective 7-1-13)
Drivers younger than 18All DriversPrimary: for all offenses. 
IdahoNoNoAll DriversPrimary: for texting by all drivers.Yes***
IllinoisAll DriversLearner's permit holders younger than 19, drivers younger than 19, and school bus driversAll driversPrimary: for all offenses.Yes
IndianaNoDrivers under the age of 18.All driversPrimary: for all offenses.Yes
IowaNoLearner's permit and intermediate license holdersAll driversPrimary: for drivers cell phone use by young drivers.
Secondary: for texting by all drivers.
Yes
KansasNoLearner's permit and intermediate license holdersAll driversPrimary: for all offenses.Yes
KentuckyNoDrivers younger than 18, School Bus Drivers.All driversPrimary: for all offenses.Yes
LouisianaNoSchool bus drivers, learner's permit and intermediate license holders, drivers under age 18All driversPrimary: for all offenses.Yes
Maine**NoLearner's permit and intermediate license holdersAll driversPrimary: for all offenses.Yes
MarylandAll drivers, School Bus Drivers.Learner's permit and intermediate license holders under 18. School bus drivers.All driversPrimary: for all offenses. (effective 10/01/13)Yes
MassachusettsLocal optionSchool bus drivers,
passenger bus drivers, drivers younger than 18.
All driversPrimary: for all offenses.Yes
MichiganLocal optionLevel 1 or 2 license holders.All driversPrimary: for texting by all drivers and level 1 or 2 license holders.Yes
MinnesotaNoSchool bus drivers, learner's permit holders, and provisional license holders during the first 12 months after licensing  All driversPrimary: for all offenses.Yes
MississippiNoSchool bus drivers.All drivers (effective July 2015)PrimaryYes
MissouriNoNoDrivers 21 years or younger.Primary: Drivers 21 years or younger 
MontanaNoNoNoNot applicableYes
NebraskaNoLearner's permit and intermediate license holders younger than 18All driversSecondary: for all offenses.Yes
NevadaAll driversNo  All driversPrimary: for all offenses.Yes
New HampshireYesNoAll drivers Primary 
New JerseyAll driversSchool bus drivers, and learner's permit and intermediate license holdersAll drivers Primary: for all offenses.Yes
New MexicoLocal optionLearners permit and intermediate license holders.All DriversPrimary: texting by all drivers.Yes
New YorkAll driversNoAll driversPrimary: for all offenses.Yes
North CarolinaNoDrivers younger than 18 and school bus driversAll driversPrimary: for all offenses. 
North DakotaDrivers younger than 18Drivers younger than 18All driversPrimary: for all offenses.Yes
OhioLocal optionDrivers younger than 18.All driversPrimary: for drivers younger than 18.
Secondary: for texting by all drivers.
 
OklahomaLearner's permit and intermediate license holders, school bus drivers and public transit driversSchool Bus Drivers and Public Transit DriversAll Drivers. (Eff. Nov. 1,2015)Primary: for all offenses.Yes
OregonAll driversDrivers younger than 18All drivers Primary: for all offenses.Yes
PennsylvaniaLocal optionNoAll driversPrimary: for texting by all drivers.Yes
Puerto RicoAll drivers All driversPrimary: for all offenses.  
Rhode IslandNoSchool bus drivers and drivers younger than 18All driversPrimary: for all offenses.Yes
South CarolinaNoNoAll driversPrimaryYes***
South DakotaNoLearner's permit and intermediate license holders (effective 07/01/14)All drivers (effective 07/01/14)Secondary: for all offenses. (effective 07/01/14)Yes
TennesseeNoSchool bus drivers, and learner's permit and intermediate license holdersAll driversPrimary: for all offenses.Yes
TexasDrivers in school crossing zonesBus drivers. Drivers younger than 18Bus drivers when a passenger 17 and younger is present; intermediate license holders for first 12 months, drivers in school crossing zonesPrimary: for all offenses.Yes
UtahSee footnote*Drivers under
the age of 18.
All driversPrimary for texting; secondary for talking on hand-held phoneYes
VermontAll drivers (effective 10/2014)Drivers younger than 18 shall not use any portable electronic device while driving.All driversPrimary: for all offenses. 
Virgin IslandsYes   Yes
VirginiaNoDrivers younger than 18 and school bus drivers All driversPrimary: for texting by all drivers.   (effective 07/01/13)
Secondary: for drivers younger than 18.
Yes
WashingtonAll driversLearners permit and intermediate license holders. All driversPrimary: for all offenses.Yes
West VirginiaAll DriversDrivers younger than 18 who hold either a learner's permit or an intermediate license  All driversPrimary: for all offenses. 
WisconsinNoLearner or
Intermediate
License holder
All driversPrimary: for all offenses. 
WyomingNoNoAll driversPrimary: for all offenses.Yes
TotalAll drivers: 13 states and District of Columbia, Guam, Virgin Islands and Puerto Rico.School Bus drivers: 20 states and District of Columbia.
Teen drivers: 37 states and District of Columbia.
All Drivers: 44 states and District of Columbia, Guam, Virgin Islands and Puerto Rico.Primary for all drivers texting: 39.
Secondary for all drivers texting: 5
48 and U.S. Virgin Islands and District of Columbia.
Source: Source Insurance Institute for Highway Safety 2013.
Governor’s Highway Safety Association

Friday, March 25, 2016



 

 

 

 

 

 

 

 

 

 

 

Our 5 Favorite New-Car Safety Features

By Micah Muzio on September 14, 2015 1:42 PM

The seatbelt and airbag are two of the greatest automotive safety advancements ever, but neither are as technologically sexy as today's features incorporating laser, radar, cameras and more. Here are five increasingly common features that combine our need for safety with our fascination of technology.

Backup Camera
Highlighted in the lead image above, few modern technologies are as quickly adopted and difficult to give up as a backup camera. Think about it, does moving a 4,000 pound object without a clear view of the intended path sound wise? Nope. With a backup camera, pedestrians, vehicles or any otherwise unseen danger is immediately revealed. As a bonus, parallel parking is made much easier with a clear view to the rear.

Forward Collision Alert/Prevention
These camera- or radar-based systems can save you from rear-ending that driver ahead who just stopped suddenly or prevent you from hitting other things that decide to get in front of your car, from animals to walls. If danger is sensed, the driver is alerted via an audible and/or visual warning or even a vibration in the steering wheel. More advanced systems can apply the brakes if a collision is imminent.

Lane Departure Warning/Mitigation
These systems also use specialized sensors to monitor the road ahead. If the car drifts from its lane, the driver is alerted via audible, visual or tactile warning, similar to forward-collision alerts. Higher-end systems have the ability to steer the car back into its intended lane.

Blind Spot Warning
Is there a car driving in your blind spot? Are you sure? Even with properly adjusted mirrors the answer isn't always clear. With Blind Spot Warning lights near the side mirrors automatically illuminate when a vehicle occupies either of your blind spots, adding an extra margin of safety to every lane change.

Android Auto, Apple CarPlay
In properly-equipped vehicles Android and iPhone users now have easy access to their smartphone's navigation, phone, entertainment, and texting abilities. More importantly, these features are controlled via voice commands or through a vehicle screen displaying a simplified, phone-like interface. The result is exceptional usability and an infinitely safer alternative to checking your phone behind the wheel.

Looking Ahead
We're probably still several years away from mass-market availability of self-driving cars, but much of the necessary functionality is available on mainstream models today. Cars are already looking ahead, behind and to the side, they can steer, brake and even park themselves, and automakers are working to have them talk to each other. Eventually we'll be able to sit back, relax and watch a movie (or great car videos).

Thursday, December 17, 2015





There are certain "claims resolution customer service words" that claims customers respond to favorably when assisting them with their claim  

Consider these key words:


- People respond positively to words that are active rather than passive. There is a world of difference between "I can" and "I will."
- Words of genuine compassion and empathy suggest that you are not just carrying the company line or reading from a memo.
- Delivering those words in a cheerful, upbeat, and most importantly, natural manner (appropriate to the circumstances, of course) suggests one human being's desire to help another, not just an equivocal, noncommittal suggestion that something "may" be possible.

The words and phrases best suited for use during a call’s conclusion are largely dependent upon the actual outcome of the conversation. Where, for example, a satisfactory resolution has been provided to the customer, it is possible to further bolster the existing rapport by amicably offering support in other areas. In doing so, your agent will illustrate that he or she has genuinely enjoyed helping the customer – and can be trusted to do so again in the future.
Everyday phrases
As a claim representative, it is your job to make the customer feel at ease from the minute you say “hello”. Good use of these phrases will help to reassure your customer that you are the life-saving, sympathetic ear that they hoped for.

6. “Rest assured Mr……”
7. “I do understand the inconvenience you have faced……”
8. “I will be more than glad/ happy to assist you….”
9. “I completely understand the reason why / your situation….”
10. “I will ensure that…”
11. “What I will do for you right away is……”
12. “I assure you I will try my best…..”
13. “What I can do for you right now is ….”
14. “I’m sorry for the inconvenience that you have faced, what I can do for you is

Key phrases

“I’m (very glad/so sorry) to hear that, Mrs Brown…”
Constructing a sense of personal empathy, and suggesting the agent’s intention to act.

“Thank you so much for letting us know about this…”
Creating the unspoken suggestion that your company values feedback, and takes matters of this kind extremely seriously.

“I’d just like to ask for a little further information, Sir/Madam…”
Always request – never tell.

“Hopefully, we should be able to help you, Mrs Brown…”
Reaffirming the agent’s intention to provide a swift resolution.

“You’re absolutely correct, Sir/Madam…”
Demonstrating your respect for the customer’s opinions and your sympathy for his or her personal predicament.

Now that your caller has confidence in the agent’s telephone etiquette, it’s time to show that your company’s compassion is not just skin-deep.

Provide a sense of immediacy


As the following phrases show, words which give a sense of immediacy can also prove incredibly helpful in the construction of rapport.

“We’ll look into this for you right away, Sir/Madam…”
Displaying a recognition of the urgency of the matter.

“Let’s see what we can do to fix this, Mrs Brown…”
The collective “we” suggests partnership, and implores reciprocal cooperation.

“I can see where the problem is, Sir/Madam…”
Demonstrating the agent’s experience in such matters, and hinting at his or her ability to provide a solution.

“What I’m doing for you right now is…”
Asserting control and hinting towards spontaneous, possibly discretionary action.

“That’s now been done, Mrs Brown…”
Providing a pay-off and showing that the caller’s trust had not been placed in vain.


Claims interaction involves precise and careful communication, I hope the aforementioned helps achieve that outcome.

Robert

 

Sunday, November 22, 2015

What would you like your adjuster to?


                                                                                                                       
 
By Robert Carper
I would like my adjuster to:

keep me informed

Multi-task to serve me better

Calls me back

Makes contacting them easy

Talks to me in laymen's terms

Explains every thing to me in a through manner

Makes me feel they are walking side by side with me

Cares about what I care about

Respects my time

Is in a good mood

Treats me the way they would want to be treated

Gives me a reason to stay with my company

Makes me want brag about my company and refer others

Do a great job

 

Thursday, November 12, 2015

Court trials explained (3 parts)


 

 Court trials explained (3 parts)
Robert Carper
 
Part one: pleadings
Pleadings are statements in which parties to a lawsuit accuse and respond. Pleadings accuse of wrongdoing or deny and excuse a wrongdoing. There is no proof in the pleadings, only claims that something happened or didn’t happen as well as legal conclusions and requests for something from the court.
Pleadings are about allegations, not evidence or proof. Saying someone drove through a red light is an allegation. Saying you saw it with your own eyes is evidence. You only put the first in the pleadings, not the second. The purpose of pleadings is tell the other side what you intend to prove later, at trial. In Ontario, pleadings consist of a statement of claim, a statement of defense, and a reply.
You put material (relevant) facts and legal conclusions following from these facts in your pleadings. The legal conclusions must support your request to the court. The purpose of a lawsuit is get a court order. Your facts and legal conclusions, if proven, must give the court the power to make the order you request. Running through a red light is a material fact; negligence is a legal conclusion. You cannot claim negligence in your claim without stating material facts supporting the legal conclusion.
Part two: discovery
After the parties exchange accusations and responses, the law expects them to exchange all evidence they have to support their accusations and responses. This is discovery. There are two parts to it: documents and questions and answers in person. Both are under oath and both become part of the record of the lawsuit. So the parties can use evidence they discover during this stage to prove their case at trial.
The parties must disclose only relevant documents and answer only relevant questions. Relevance depends on the pleadings, and this is another reason why pleadings are so important. Suppose you allege that someone was negligent because they ran through a red light. Then that person’s political views are not relevant and you cannot expect them to disclose documents or answer questions about their politics. Both the document and the Q&A (known in Ontario as examination for discovery) parts of discovery happen out of court. Parties disclose their documents in sworn affidavits, and examinations under oath take place in private offices.
In theory, after the pleadings are closed and the discoveries are completed, the parties should have a pretty exhaustive idea of what’s going to happen at trial. They know the claim and defence, they know the evidence, they know the law. They should be able to predict what the court will decide fairly well. This is one reason why most civil cases settle before trial. But some do go to the final hearing, either because the evidence is ambiguous or because the law is not fully settled. Or for a million other reasons—we are humans and nothing is ever 100% certain.

Part three: trial

This is the first time the court hears the case “on the merits.” In theory, the entire case could continue until this point without any involvement of the court. (In reality, lawyers spend a lot of time in court wrangling over procedural issues.)

Trial is where the parties present their evidence to a judge or a jury. You usually present evidence through a witness who has first-hand knowledge of what happened. Or through an expert who has a professional opinion of what happened, if the issue requires such an opinion. But involvement of humans makes trials unpredictable. No one can be certain what the witness will say and how it will affect this particular judge or jury.
A good civil litigator will conduct the first and the second stages of a lawsuit as if the trial was unavoidable. A potential loss at trial is a powerful incentive for settlement. (Unfortunately, the cost of trial and pre-trial procedures is another strong incentive.) If you build a strong case for trial during pleadings and discovery, it’s irrational to go to trial.
Of course, this is only a superficial summary of what happens in a lawsuit.