State Specifics
These 2 states require us to send ongoing compliance letters at 120 and 180 days respectively.
What are WA and NY?
his state has the shortest statute of limitations for property damage – at just 1 year
What is Louisiana?
This letter (which can also be an email or phone call) should be sent every 30 days to the customer while the deductible is still owed.
What is STATUS?
This acronym, which should posted into our file notes, tells the agent and anyone viewing the claim, when we will revisit the file
What is "NRD or next review date"?
In 2020, caselaw in this state led to subrogation revamping our out of pocket process to defer customers to the 3PC for recovery
What is Washington?
This form, known by its #, is used to file Federal Tort Claims against government actors, like the post office.
What is Form 95?
Who you spoke to, their contact information, details of what was said, next steps and any promises made but NO jargon or acronyms?
What is: What to include in a record of contact subrogation note.
Emails to and from the customer and 3PC, letters, dec page, pro rata agreement, release, negotiations in writing, reductions from 3PC
What are "things that should be saved to the claim file documents"?
In this state, diminished value is commonly paid and recoverable due to state rules.
What is Georgia?
This type of liability allows us to pursue and recover 100% from 1 of multiple at fault parties to a loss.
What is JOINT liability?
Under these circumstances, a deductible can be released to our customer.
What is after full or partial liability acceptance by 3PC and confirmation of coverage / no payments already issued to insured
This, which should be posted in the file notes, tells the customer what our next steps are on the file.
What is ACTION PLAN?
This state, with the MOST STRICT made whole rules, requires the customer to be entirely made whole, including for their deductible, before a referral to subrogation should even be issued by APD
What is Montana?
This type of language should not be included in our subrogation release
What is "indemnification", "hold harmless" and "any and all claims" language?
This calculator, which can be found in our deductible help guide on KCC, helps determine what amount of deductible to reimburse when our insured is partially at fault for a rear-end loss.
What is the front and rear breakdown calculator?
Negotiations with 3PC may result in us taking a reduction, which is fine, so long as THIS is posted to the notes
What is rationale?
This state allows for PIP recovery but only if on of the involved vehicles weights more than 6,500 lbs or one vehicle is used for transportation of person or property for hire (livery)
What is New York?
This term is used to describe the destruction of evidence that one had a duty to preserve which impairs the ability of parties to prove a civil action
What is spoliation?
This platform used by agents allows them to view our claim notes as well as some financial transaction information.
What is the Agent Portal?
All customer inquiries should be responded to within this time frame
What is ideally the same day but at least within 1 business day?