UDCI
When completing an Unlisted Driver Coverage Investigation, which parties need to have a recorded interview completed?
1. ULD
2. NI
3. Agent (if applicable)
Where can we locate the policy inception date & time?
OSWA/PolPro > View/update additional policy info > New Business Info > Sale date and time
Which of our 3 states (IN/IL/MO) has the A264 endorsement
All of em!
In order for an AP Workup to be considered “material”, what threshold does it need to surpass?
Premium increase of $100 AND 10%
The Insured advised they went to the police station after the loss and completed a walk-in police report. Would this police report be an independent source for DOL verification?
No, if the police did not respond to the scene this report would be a non-independent source
When we deny a claim for A264, we will only deny the *Blank* portion of the claim
First party vehicle damages
What documents are accepted as proof of residency?
Bank statements, check stub, utility bill, lease agreement, mortgage
Your claim has a reported DOL of 4/24/26 and is a –004 policy. No CVQs populated. You complete a review of Policy Pro (OSWA) and notice that COMP coverage was added on 3/31/26. Do you need to independently confirm the DOL?
Yes, since this coverage was added less than 60 days prior to the loss we will need to add a manual CVQ and confirm the loss occurred after the coverage was added
Who does the A264 endorsement apply to?
ULD living in HH at TOL
File owner is completing an UDCI on a –01 policy. File owner has completed RIs with NI and Driver, there was no agent associated with this policy. The NI and driver both advise the driver has never been a household resident. What next steps are needed to complete this investigation?
Request proof of residency and photo of license from driver, complete AP WU if we discover they ARE a HHR, submit for sup rvw
Your claim has a reported DOL of 4/30/26. The policy incepted 4/30/26, the same day as the DOL. You discover that there was a prior Progressive policy that canceled the same day this policy was incepted due to an agent rewrite. The policy coverages/drivers/vehicles are the same on both the old/new policies. Are you okay to proceed with clearing the DOL?
Yes, you’ve confirmed there was no lapse/change in coverage, therefore there was continuous coverage between the old/new policies
What are the 5 exceptions for A264
license 185 days/moved to hh 185 days/Other veh w/ insurance/Medical Emergency/Other people in veh intoxicated