JRs
In California, what is the current OR fee based on Jan 1, 2026 DOL.
If the vehicle’s owner does not have the title & a lienholder is on the DMV record, but the lienholder is no longer in business where do we refer customers to?
Refer the owner to the DMV to obtain a title in the owner’s name.
CA - How often should the first party property damage status letter be sent? & until when do we have to keep sending it?
CA status letter should be first sent after 40 days and then 30 days after the first notice.
Once Property Damage COL is closed (paid, OIE, etc.) the task will no longer display.
WA - According to state law, how many days do we have to secure a vehicle that has been a recovered theft?
For OR in California, when can we check off the ATMR box?
We can check off the ATMR for California once one of the listed are completed:
TRUE or FALSE:
CDW is not owed to third party claimants
FALSE, CDW is owed if the claimant's policy does not have Comprehensive or Collision coverage
WASHINGTON- all settlement payment is owed to LH. We have LR and title from LH but are pending POA and ODO from NI- can we issue LH payment?
we require owner docs BEFORE issuing pymt to LH since there is not STP available in this state. If NI does not return owner docs (POA and ODO) we cannot get a sale title even if we have a LR and title from LH.
CA Named insured wants his mom (who is not on the policy nor qualified as a NI) to handle claim on his behalf. What do we need to request for mom to be able to handle claim?
Designee Form (FC0003255) needs to be completed & on file before we can speak with anyone other than the NI or titled owner
AZ - TRUE or FALSE
We owe storage even on days when storage lot is closed and we owe storage when we are waiting on appointments to become available (if storage lots require appts).
FALSE - Storage fees may not accrue for any day when the storage lot is not open or available by appointment.
SEE: A.R.S. 28-4847(N)
& FYI A storage day is from midnight to midnight.
We are handling V1 as a total, at fault V2 is also a SF insured. How do we go about collecting funds and reimbursing NI deductible? What is this process called?
A double with recovery. When handling recovery from another SF policy we want to follow the SCP and complete the steps to ensure an internal recovery vs the standard subrogation process.
CA - Policy holder only carries UPD ( no G or D). UPD coverage applies. V1 ACV is 8k, IAA confirms they paid $1200 in storage to NPS and pending to bill SF $80 in vendor expense. What is the total amount we can pay NI?
$2300 is the total amount we can pay NI for their total loss settlement. The $1200 will have to be considered in the settlement but the $80 to IAA would be considered a business expense and should be B coded.
CA - How many days does the LH have to send State Farm title once payment has been received on their end?
California Vehicle Code Section 5753 details the requirement of the lienholder when payment for the loan is received. The title must be received in 15 days from the date payment is received or they are required to pay a statutory penalty. FC0006013 needs to be mailed with every lienholder payment.
What is USPS Ground Advantage and when should it be used?
It is the preferred shipping service for Total Loss mailings that do not include a return label. This delivery option has a 2 to 5 business day delivery expectation. USPS Ground Advantage should be used for eligible one-way mailings (e.g. lienholder or customer drafts). Includes, PO Boxes, HI/AK. • USPS Ground Advantage should not be used for mailings to Oregon, Montana, or Virginia- NOT THE SAME AS UPS GROUND
What storage/tow fees are presumed to be unreasonable in California
If an insured, who has an Arizona policy, and does not agree to the settlement value established by State Farm, do they have the option to use the appraisal process?
Yes, insured has the right to use the appraisal process
AZ - What documents need to be in the claim for title compliance in an OR?
CA - What alert on the MVR indicates a restriction has been placed on the title and the vehicle cannot be transferred into someone else's name without paying a lien/fee attached to the vehicle?
VLT Stop alert - Advise the vehicle owner that SF cannot settle the claim until the customer resolves the lien attached to the vehicle and DMV must remove the VLT stop before we can resolve.
True or False:
For Arizona policies, if insured has R1 on policy, travel expense up to $500 for any one loss can be paid.
TRUE - Verify policy for limits.
OR titling in Arizona: What vehicles do not require branded title for owner retention?
Vehicles that are registered as horseless carriages, classic cars, or Historic Vehicles do not require branded title for owner retention (these vehicles have special license plates)
Scenario: Customer's vehicle has been lien sold and we would have to settle as a forced OR. Since TL CS is responsible for branding OR vehicles, what should we brand vehicle in this scenario if we are unable to inspect vehicle.
Per JRs, if we are unable to inspect vehicle, we are to use the most restrictive brand
WA - TRUE or FALSE
All comparables on CCC have to be within 100 miles of the principally garaged area of the vehicle. Specify response
FALSE - the search area may be expanded in increasing circles of twenty-five-mile increments, up to 150 miles, until two or more comparable motor vehicles are located. If no comparable motor vehicles can be located within 150 miles, the search area may be expanded with the agreement of the first party claimant (conversation has to be documented)
In Washington, for a Washington resident with a total loss vehicle titled in Washington, what document(s) need to be in the claim for OR title compliance?
For Washington owner retain, we need to submit TD420 when the first payment is made, nothing in return from owner
Blank is needed in ALL California correspondence being sent in order to be in compliance with the state.
All letters require a company name as listed on the ECS policy screen. If the letters or emails are sent without the correct policy company name, reporting compliance error may be needed
Contaminated vehicle or property for WASHINGTON: Does the following apply to 1st party,3rd party, or both.
The 3 options listed only apply to 3rd party
Flood vehicles in California are branded as:
A. Salvage
B. Flood
C. non repairable salvage