Crash Reports
Why is it important to get the exact time the accident occurred?
-to see if it was in fact on the policy prior to the crash
When you get a claim, and the insured is not the suspect, who should be investigating the crime?
-the police, SIU is not the police, we are hear for claims that appear to be suspicious.
-the police report
For the policy to be ab initio what must it be?
-material misrepresentation
Why should you read the monthly claims meeting notes?
-so you will know how important getting the insured's name would be
-what is going on in other areas
-policy and SOP updates
How many days after purchase of a vehicle/utility trailer does an insured have to add to the policy?
-30 days
What law enforcement agency "shall" SIU report all suspected fraud to?
-Va State Police
If you have a claim that is a few months to years old, who should you contact?
-your manager
Who does the SIU Manager report directly to?
-Lynn Chapman, Claims Attorney
-later when you are asked by an Attorney how you obtained pictures of the inside of the home that sustained fire damage, you will be able to answer that question without hesitation.
Is the time written on the crash report by the Trooper/Officer/Deputy the time of the actual crash?
-no, it is the time the Officer arrives or the approximately time given to him/her by the persons involved
What is automatically sent to SIU to investigate?
-fires, thefts and vandalisms
-bonus-new policies
Why is it important to document the person's name that you are speaking to about the claim?
-vital to know who you are speaking with in regards to coverages, and not a girlfriend, brother, son/daughter.
Who should get the initial statement on any claim?
-the adjuster handling the claim, needs to obtain the initial statement. The truth will repeat itself.
What is Cheers for Peers?
-a program that recognizes employees that go beyond their job description to help others and make a difference.
If someone added a vehicle/trailer/equipment moments before a fire, theft, crash, vandalism, what should you do?
-obtain the CAD report, crash report and contact the UW to find out the time it was added and by who
Who investigates or assists Countryway with their SIU investigations?
-VFB SIU, who coordinate with Investigators, maintain their time, files, and make a decision if we even need to hire someone. We also speak to local law enforcement, and fire officials.
When you notice there is a new policy (within 6 months or even a year) and a claim has been made, what should be your first step?
-pull application to make sure questions are answered truthfully, for example, driver is not listed on policy, yet owns the vehicle.
-ISO for previous losses that were no listed
-discuss with SIU
All three SIU investigators are CFI and CIFI? What does this stand for?
-Certified Fire Investigator
-Certified Insurance Fraud Investigator
Who should get the name of the person they are speaking to prior to discussing anything in regards to the claim?
-OCR, POCR, FCR, ACR, etc
-15 days
-police report vital (case Pitt Co)
What is the Reward Program, what is the amount of the reward? Who qualifies?
-program which encourages witnesses to come forward, if their information ends up in an arrest/conviction, they may be eligible for a $2500.00 reward, if the sign is posted and if the crime occurred on our insured's property
-the forms are given to the nominating person/insured at the county office
When should you send an UW referral?
-claims frequency
-SIU request
-policy issues (10 vehicles, one listed driver)
The truth is hard to forget, what is easy to forget?
-a lie (reason initial statement needs to be obtained by claims
-Yes