Statements
You got a intersection loss. Do we need a detailed recorded statement?
yes
What 'final step' does Steph love to see in your diary if applicable?
subro
Ni gives you a verbal DOP to pay the shop in NY. who do you pay?
the shop directly.
You get a PD demand through the hub and check the demand over, as we should :) You notice clmnt rented. What do you need to do right away?
open the clmnt rental exposure
You took statements and thoroughly investigated an intersection loss. You decided we are 80% af. Claimant is filing with us directly. What 2 things do we need to do to advise clmnt of this decision?
call them to advise verbally and send the CN offer letter
BI took a r/s. Does MD need to take a r/s as well?
no
You get reassigned an old claim already/mostly worked. What's the 1 thing you need in the notes?
clear update
There is a lienholder attached to iv and we don't have any written or verbal DOP. Damages are 2,000. who do we pay?
ni
NY Clmnts- we owe what size rental?
NJ clmnts- we owe what size rental?
NY- compact/intermediate at most
NJ- Comparable
You took statements and thoroughly investigated an intersection loss. You decided we are 80% af in NY and ni did use their coll coverage.
Can we subro for 20?
YES. assign subro for 20% in NY
Iv/cv is the very front vehicle in a 3 car r/e loss. What's the most important question?
How many impacts did you feel?
what 2 numbers are not allowed in the notes?
DOB and DL numbers. do input them in loss participant applets when needed. (for UWA's)
PS if you accidently do put the number in the notes, Steph can redact. just let me know
Your customer brings his vehicle to a DRP shop in NJ. Does this void the written DOP requirement? yes or no
No. In order to pay ANY shop directly in NJ, you need a written DOP.
Insured was in a NJ rental car and he rear ended a cv. Claimant calls you and wants to file with us... is this payable? under what coverage?
yes, under PD coverage. Once you get and review the rental agreement.
You took statements and thoroughly investigated an intersection loss. You decided we are 80% af in NJ and ni did use their coll coverage.
Can we subro for 20?
no. 51% bars recovery in NJ
FOL in EPIC indicate, iv r/e cv. THEN, You get a police report and notice iv r/e cv and cv was pushed into a house! what 2 things do you need to do?
add your clmnt house owner and and open the PD exposure
You have PD open because we are at fault. you confirm clmnt filed with a/c so you are awaiting their demand. Your diary pops 1 month later. what should you do.
Call a/c and make sure they have our info/check the status of their demand.
During your initial contact on a NY claim, ni verbally tells you to Copay ni and the shop. Then you notice ni signed a DOP in DE. who do you pay?
Pay the shop directly based on the signed DOP. This is written permission for you to pay the shop directly and trumps their initial verbal request.
Insured was in a NY rental car and he rear ended a cv. Claimant calls you and wants to file with us... is this payable? under what coverage?
Since insured was in a rental (in NY), the rental company is primary for cv damages, up to 10k. We are excess and We pay for cv damages OVER 10k.
Best to file with your own insurance company and they will subrogate accordingly.
Intersection accident. You investigated and decided we are NOT at fault. You see on p/r that a/c is progressive. When/before assigning subro, what are 2 things must we do?
Make sure a claim is set up/get claim info and attempt to get their liability decision
clmnt reported the loss and Iv driver is currently "unknown" in EPIC. You them talk to ni and find out the driver was spouse, Speed Demon. He is listed on the policy but what do you need to do in EPIC?
Update the iv driver from unknown to Speed Demon
name 2 important questions when you have an unlisted driver operating iv?
name? address? relationship? how often do they drive iv? DOB and DL#?
NJ Claimant damages are owed and estimate just hit the file for $20,000. You checked and don't have signed DOP in the photos. who do you pay?
claimant directly.
Name 2 things you need to document in the notes when reviewing a claimant rental reimbursement receipt.
Rate per day, DTR on estimate, add ins purchased?(this is not owed)
NY claim. clmnt reported the accident and you havent been able to reach ni after many calls, emails, texts... What is the required letter that you send on what day in this situation?
COV - NY NO INSD REPORT 7 DAY LETTER*