Coverage
Define the term, Occupying, as per the Family Auto Policy?
1-Reside or have one's place of business.
2-To fill, exist in, or use a place or period of time.
3-In, upon, entering into or alighting from the vehicle.
4-To keep someone busy or interested.
3-In, upon, entering into or alighting from the vehicle.
The initial type of loss selected if a tree fell on the insured's owned vehicle? 1. Vehicle 2. Animal 3. Act of Nature 4. Personal Injury
3. Act of Nature
The claimant is uninsured, but GEICO wants to pursue them directly for subrogation. What information needs to be on file to pursue the claimant directly?
1. Denial Letter from A/C
2. No information
3. The claimant's personal information including valid address.
4. Claimant vehicle information
3. The claimant's personal information including valid address.
Liability is resolved at 100% on the insured. There are no coverage issues. What pay code can be updated for the claimant at this time to allow them to schedule inspections online (if we are unable to reach them on the phone)?
1. Inspect and Pay (Good)
2. Inspect Only (Bad)
3. No pay code
4. Inspection can be set up without specifying the pay code
1. Inspect and Pay (Good)
True or False? A demand is sent in from the Adverse Carrier; after SRT is assigned, you may mark the Property Damage exposure as Handling Complete right away.
False. You must wait for the SRT review to be complete, and issue appropriate payment before marking PD as HC.
During what type of coverage investigation would you gather the PORS and CANS?
1. No match on vehicle.
2. Policy was cancelled by GEICO.
3. Policy period expired.
4. Exclusion.
2. Investigating a policy cancellation by GEICO.
The Insured was traveling straight through a solid green light, when the claimant made a left turn in front of them at an intersection. The claimant, claimed to have a green turn arrow at the scene but has not been reached by phone yet. Can liability be determined at this time?
1. Yes, we just listen to our insured's POV.
2. No. No contact has been made with the claimant yet and this loss requires a Liability investigation.
3. Yes, we have all we need to make a decision now.
4. Its a judgement call.
2. No. No contact has been made with the claimant yet and this loss requires a Liability investigation.
The insured, John Smith, was rear ended by claimant driver George Martin. The vehicle driven by George is owned by his wife, Jackie Martin. Who should be added as the Responsible Party when assigning a subrogation adjuster?
1. Jackie Martin
2. George Martin
3. John Smith
4. No one
1. The claimant owner, Jackie Martin.
The insured's secretary, Sally, was given permission by the insured to handle the claim on their behalf. How should Sally be added to the claim?
1. She shouldn't be added bc they are not directly involved.
2. As a Related Contact
3. As an Associated Party
4. As an Interested Party
2. As a Related Contact
An injured claimant advises they have not gotten any treatment yet but has an appointment set up with their Doctor in 3 days. How will you update the Treatment Received question?
1. Yes bc they are hurt.
2. No bc they haven't already recvd treatment nor is it for that day.
3. Leave it as unknown for now.
4. Leave it blank.
2. Update to No. A letter will automatically be sent to them, asking them to update their treatment status online.
When the insured's vehicle breaks down, this coverage provides cost for a battery boost or towing.
1. Comprehensive
2. Glass
3. MBI
4. ERS
4. Emergency Road Service (ERS)
The claimant is completing the FNOL with you. They state the insured lost control and struck their stopped vehicle. What is liability set to during the FNOL?
1. At Fault- Loss of Control
2. Non-Fault all other
3. Fault Unknown
4. Animal
3. Fault Unknown- until the insured can be reached to confirm the facts of loss.
When you receive a payable subrogation demand from an Adverse Carrier, what should you do?
1. Assign it to SRT for review on the Demand Summary page.
2. Immediately deny the demand.
3. Pay it yourself.
4. Ask your supervisor.
1. Assign it to SRT for review on the Demand Summary page.
On which ATLAS page in the claim do you update % negligence and loss type (liability decision)?
1. Claim Summary
2. Parties Involved
3. Claims Details
4. Liability only gets updated on the FNOL.
3. Claims Details
When an Adverse Carrier, Medical Provider, or Rental Company call, what should you do?
1. Verify them before giving them the claims adjusters information.
2. Direct them to the geico.com/b2b website.
3. AWS will block their calls.
4. Change your greeting.
2. Direct them to the geico.com/b2b website.
When the insured has a covered loss, this coverage reimburses them for cost incurred to rent a vehicle.
1. Collision
2. Comprehensive
3. MBI
4. Rental Reimbursement (RR)
4. Rental Reimbursement (RR)
The insured and claimant were both waiting to make left turns in an intersection, each waiting in the opposite direction. As the intersection became clear, the insured proceeded to make their left turn onto the cross street. When the insured was almost through the intersection, the claimant started their left turn and sideswiped the insured vehicle. What duty did the claimant breach based on the description?
1. Maintain Safe Speed
2. Respect Control of Intersection
3. Maintain Safe Vehicle
4. Take Evasive Action
2. Respect Control of Intersection
If the insured is 50% liable for a loss in a Pure State, and SRT advised the following damages are fair & reasonable for Allstate's demand:
Property Damage- $1000, Loss of Use- $500
How much would you issue and under what reserve lines?
1. ICS does not make payments to the AC.
2. Property Damage reserve-$500, Loss of Use reserve-$250
3. $1500 all under Property Damage reserve.
4. Send this to PRU.
2. Property Damage reserve-$500, Loss of Use reserve-$250
When you update your liability decision, when should you update third party(claimant) pay codes?
1. Within 10 business days.
2. AD will do this.
3. After 3 phone call attempts.
4. Immediately (to allow for claimants to schedule their inspection online)
4. Immediately (to allow for claimants to schedule their inspection online)
A payment in ATLAS has the status of "Electronic Notification Failed." What does this mean for this payment?
1. The email/text to the customer was unsuccessful and has defaulted to a paper check.
2. Contact the customer's bank.
3. They need to discuss with AD.
4. The bank account number could not be verified.
1. The email/text to the customer was unsuccessful and has defaulted to a paper check.
Much like a warranty on the new vehicle, this coverage provides repair cost related to the vehicles breakdown.
1. Personal Injury Protection (PIP)
2. Property Damage (PD)
3. Mechanical Breakdown Insurance (MBI)
4. Emergency Roadside Service (ERS)
3. Mechanical Breakdown Insurance (MBI)
The insured is 25% liable for an incident, while the claimant is 75% liable. A third vehicle was struck during the incident, who is 0% liable. In a state that recognizes SEVERAL liability (not joint and several), what percentage of the non-fault victim's damages will the insured be responsible for?
1. 0%
2. 100%
3. 75%
4. 25%
4. 25%
When referring a claim to the Payment Recovery Unit, what information should you have on file about the claimant/AC?
1. PRU gets this information
2. Demand amounts
3. PD limits
4. All of the Adverse Carrier's information and the responsible party's name and address
4. All of the Adverse Carrier information (name, address, phone#, claim#, fax or email) and the responsible party's name and address.
In what circumstance would we write a 2-party check to the insured?
1. We don't ever need to do this.
2. When they have a lienholder.
3. When the policy has a co-insured listed.
4. On all payments to the insured.
2. When they have a lienholder. They are part owner of insured vehicle, so we also protect their interest in the vehicle.
Refusing to pay for the claimant's Property Damage until they accept your Bodily Injury offer, is a violation of what?
1. Unfair Claims Practice.
2. Atlas
3. Eloquence
4. This is allowed to negotiate claims.
1. Unfair Claims Practice.