Liability
CV is found AF for an ax and CC accepts, but insd is filing through progressive. Insured is upset that they have to pay their deductible, what can we do?
If CC has accepted, for C/S we can front their deductible.
What regulatory letter is required to be sent to all claimants at the opening of a claim?
REG 64
CV R/E IV and ID is injured and PIP is opened. What should we be ruling out?
UM/UIM
Who and what letter is sent when there is comp neg?
Clmnt and comg neg letter
Name all possible liability activities available in the liability tab? Hint there are 9
Initial Liability review, Insured R/I, Clmnt R/I, PR Review, Scene Invest, Vehicle Dmg Review, VTL Review, Other Interm Activity, Witness/ Other R/I
Record Only
CV R/E IV. ID is injured and attorney rep and attny puts us on SUM notice. Our limits are 100/300, cc limits are 250/500, is there a SUM exposure?
NO. CC limits are greater than ours therefore there is no exposure to make a UIM claim.
If insured reports a claim to us and they're not using their collision coverage or the estimate is below their ded, what letter are we sending?
What do you need to verify with a multi vehicle rear end to determine liability?
Number of impacts felt by each party and severity of impacts
If iv struck 3 parked vehicles and we have 10k pd, what letters should we be sending out and to whom?
Excess to insd with ANOI and excess letter to clmnt
IV R/E CV
PA Policy, NY loss, PA policy has 5 k PD, but the estimate for CV is 7k. Can we pay it?
Yes because the PD limits would automatically go to the NYS minimum, which is 10k
If insured is claiming they're not involved with a claim, what document needs to be signed?
Affidavit of non involvement
When explaining Liability outcome, what should we be quoting to explain how we came to the liability decision
The NYS VTL that applies
When are delay letters due to clmnts?
10 Days and every 30 days after
Insured rents a vehicle from ABC Rental company and hits a parked car. Who is primary for the damage to the parked car?
ABC Rental company because we couldn't have set up a DB with them.
If we are responsible for clmnt damage but they advise they're not presenting a claim for their damage, what letter do we send?
No Damage letter
If a guest passenger opens their door into a parked vehicle, who do we place liability on? Driver, Owner, Or guest passenger
Guest Passenger
When are delay letters due to insd?
15 days and every 30 days after
NY Policy. Insured is in a DB rental with Enterprise and hits a pole. They're in the rental for 43 days. What coverage is the damage to the rental vehicle covered under?
Collision subject to their ded
If a l/h requests a letter requesting the LOG, where can that letter be found?
NY TL Document Generator