Got You Covered
You hit someone else's car or property, as a result they're looking for payment from this type of coverage.
What is Property Damage Coverage
Person A sneezes and rear ends Person B in front of them as Person B was slowing down.
What is at fault.
Who reviews the damages to the vehicle?
Who is the Auto Damage Adjuster.
Policy holder sets up a claim through the mobile app then sets up another claim with us, resulting in this coverage issue.
Did you receive any bumps, scrapes, or bruises in this accident?
What is we need to know if you have applicable personal injury coverage.
Also Accepted: We need to know if CLMT can file a BI claim.
A mouse chewed through my wires, is what you'll hear when callers are trying to use this coverage.
What is comprehensive.
Vehicle 1 turns left in front of vehicle 2, placing fault on who?
What is Vehicle 1
The adjuster's estimate is short on some of the damages, which the shop found after doing what to the vehicle?
What is tearing it down?
Also Accepted: What is breaking it down or doing an internal inspection of the damages.
Policyholder hits a deer within week of their policy starting and wants to get the vehicle fixed, what is needed before proceeding?
What is verify DOL and payment
Do you use your vehicle for business?
What is because we need to investigate coverage.
This type of coverage is considered 1st party coverage because it is available to the policy holder on their own policy.
What is Collision and Rental
Policy holder calls in and tells us they were backing out of a Walmart parking lot and the coast was clear. While doing so, claimant came out of nowhere and struck their rear bumper.
What is policy holder is at fault.
Also accepted: What is comparative negligence - depending on where the damage to CLMT's car is.
My shop says the parts are on back order, and I need my rental extended, who is going to help me?
While on vacation, policy holder rents a car and rear ends someone while being distracted by the beautiful sandy beach, and they call in asking to set up another rental. What do we do?
What is investigate further by getting an adjuster on the claim
What is we need to make a One Party payment to a body shop of choice in MA and NJ.
Two types of coverage pay for injuries that were the result of an accident with another vehicle for occupants of the non fault vehicle or your passengers; when you're at fault.
What is PIP and Bodily Injury Coverage
V1 opens their door as V2 is driving by. V2 hits the inside of V1's doors and takes the door completely off. Where does fault lie?
What is we need to do further investigation?
The shop says there are more damages and your estimate is lower, what do I do?
What is your policy is considered primary on your vehicle.
Further Fact - Your friend's policy would be overage if you do not have enough property damage to cover the non fault vehicle.
What is so that we know what we can handle with you on this claim
Your spouse lost control of the vehicle and hit a tree while speeding during a rain storm in New York, causing significant injuries to you. You have significant injuries and challenges as you attempt to recover, needing these three coverage types to get you fully whole.
PH is involved in a three car rear end and they are the middle car. The stated that there were two impacts and that they did not cause all of the damage to the vehicle in front. Who is at fault?
What is we need to investigate further.
Also Accepted: PH is at fault for the initial rear end to the vehicle in front and partially responsible for the 2nd impact to the vehicle at front. The rear vehicle is responsible for PH's rear damages and partially responsible for the front vehicle's 2nd impact and resulting damages.
Claimant calls in and says their vehicle is now worth less as a result of the accident, what type of claim is that?
What is Diminishment of Value
Policy holder strikes their spouse's parked vehicle while attempting to back up out of the driveway, and calls in to get their spouse's car fixed using their property damage coverage resulting in "this" conversation.
What is you need to use collision coverage for both vehicles. We cannot use property damage coverage for someone that is considered an insured on the policy.
Are you the parent and guardian of the minor who was driving your vehicle?
What is we need to verify the facts of accident with the driver but we need your permission to speak with them directly.