Boldly triage every claim

A Red Shirt lost on an away mission, a lawyer instructed, and warning signs that only line up when the three documents are read together.

STARFLEET INSURANCE — FIRST NOTICE OF LOSS
Claim Number: DEMO-01
Policy Number: DEMO-POLICY-01
Date reported: 2371.203
Reported by: Lt. Cmdr. security division, USS Enterprise (NCC-1701-D), on behalf of next of kin

INSURED
Name: Jones, M. (Crewman)
Division: Operations, Away-Team Support
Policy in force since: 2368.014, no lapses

LOSS DETAILS
Date/time of loss: 2371.201, approx. 1140 hours shipboard time
Location of loss: Class-M planet survey site, designated LZ-2, unnamed system (survey mission
authorization #SM-4471)
Type of loss: Fatality, away-team member, cause under review

LOSS NARRATIVE (as reported by surviving away-team members)
The away team (four personnel, including Crewman Jones) beamed down to LZ-2 to conduct a routine
mineral and atmospheric survey per mission authorization #SM-4471. Approximately 40 minutes into the
survey, the team came under sudden energy-weapons fire from an unidentified small craft that had not
hailed, challenged, or otherwise signaled the team prior to firing. No away-team member discharged a
weapon, issued a challenge, or took any action prior to the first shot. Crewman Jones was struck directly
by the first shot and was not recovered — away-team members reported he "was gone" at the location where
he had been standing, with a quantity of fine particulate residue at the site. The remaining three team
members took cover and were beamed back to the ship without further injury. The unidentified craft
departed the area at high impulse before it could be hailed or identified by ship's sensors; partial
sensor telemetry has been forwarded to Starfleet Security for identification.

INJURIES / FATALITIES
Fatalities: 1 (Crewman Jones). No remains recovered for standard processing; particulate residue
collected at scene by away-team medic, forwarded to Sciences for analysis (see attached lab note).
Other injuries: none reported.

WITNESSES
Three surviving away-team members provided statements. All three statements agree on the sequence of
events described above. One witness statement notes Crewman Jones "seemed distracted" in the minutes
before the incident and had stepped slightly apart from the group to check a tricorder reading, though
the witness could not say what he was reading.

LEGAL / REPRESENTATION
Next of kin has retained outside counsel (Voss & Tellun, Starbase 12) as of 2371.202. Counsel has sent a
preliminary notice indicating intent to pursue recovery from the operator of the unidentified craft, once
identified, for the unprovoked attack, in addition to the claim filed under this policy.

POLICY / ACCOUNT NOTES (per account history)
- 2371.187 (14 days prior to loss): beneficiary designation on the policy changed from
  spouse-of-record to a named civilian individual, S. Rell, listed relationship "personal associate,"
  processed via standard self-service beneficiary-change form.
- 2371.187 (same date): coverage limit increased from 75,000 credits to 300,000 credits via standard
  self-service coverage-change form.
- No other account changes in the 12 months prior to loss.

REQUIRED NEXT STEPS PER STANDARD FNOL INTAKE
- Away-team medical tricorder scan from scene: attached (see DEMO-01, document 2 of 3).
- Sciences forensic lab note on collected residue: attached (see DEMO-01, document 3 of 3).
- Sensor telemetry request to Starfleet Security: submitted, pending.
- Next-of-kin counsel correspondence: on file, available on request.

[END FNOL INTAKE FORM]

The highlighted facts drive the route. In a real deployment, these rules would come from the carrier's decision contract.