SONL
What does SONL stand for?
Statement of No Losses
What 4 policy changes impact claims data and require investigation?
Deductible, coverage, vehicle, and driver
Within how many days of Policy Inception would we investigate DOL?
60 Days
What Does PNIF stand for?
Policy not in Force
Your Insured rented a U-Haul box truck. While driving the truck, she rear ended another vehicle. The claimant is not injured, but there is damage to their vehicle as well as to the U-Haul. What coverages apply to this loss? Where in the policy can you find the answer?
There will be no coverage for the loss.
Where do you find the dates impacted by the SONL?
Policy Pro/Policy
Where can you locate the caller, time and date a change took place?
Policy History
Using what resource can you locate the Policy Inception Date/Time?
Policy Pro
Progressive database that contains progressive customer policy documents such as cancellation letters and proof of mailings
PolicyPro
A claim for your Insured ended up going to trial. Your insured advised she was going to have to miss work to go to court, and she wanted to know if there was coverage for the wages she would be missing. How would you respond to her? Where in the policy can you find the answer?
We will cover reasonable expenses that are incurred at our request, up to $200/day.
See: Part I: Liability to Others-Additional Payments 5
Where can we find an e-signed SONL forms?
Policy Pro documents or PCV
What system do we use to listen to calls that changes were made?
NICE
Police Report, Tow Bill, Scene Photos w/ meta data, Dashcam footage, and a BOS are all considered what type of investigative step?
Independent Verification of DOL
You verify this independently to determine your coverage decision.
Date of Loss (DOL)
Your Insured has an 05 Honda Civic on his policy with liability coverage only. He purchased a new 19 Honda Accord on February 1st and is now letting his 16 year old daughter use the Civic. When driving home from work on February 12th he ran a stop sign and struck another vehicle. What coverages apply to this loss? Where in the policy can you find the answer?
Liability coverage would apply. There will be no coverage for the damage to the IV.
See: Part I: Insuring Agreement, “Insured Person”
Part IV: Insuring Agreement-Collision
Additional Definitions: Covered Auto, Additional Auto
True or False: An SONL is needed for the policy to renew without a lapse if the insured submits payment by 11:59 PM their time zone on the date of cancellation
False
What can we use to verify that a change occurred before or after a loss?
Police report, meta-data, scene photos, tow bill
Through what resources would you rule out overlapping/pre-existing damages to IV?
Pre-loss inspection & ISO
The place where you can find when and how the policy canceled.
Policy Summary
Your Insured’s adult son, that lives at home, was pulling into the driveway at home when he hit the Named Insured’s truck. The son’s car is owned by the son and not on our policy. There is no other insurance for the son’s vehicle. The policy has Comp and Collision as well as UMPD for the dad’s truck. What coverages apply to this loss? Where in the policy can you find the answer?
The IV will have to be repaired under Collision coverage. The son’s vehicle does not qualify as an “uninsured motor vehicle” as the son is a relative of our insured.
See: Part III: Insuring Agreement-Uninsured/Underinsured Motorist Property Damage Coverage, Additional Definitions “uninsured motor vehicles”
Additional Definitions: Relative
Name 5 methods that Progressive can process an SONL
Online, Phone, Natural Language Self Service, Chat, Agent
You should submit this if your claim investigation determines a change to policy is needed?
Under writing memo
What resource can be run to rule out overlapping insurance?
Carrier Discovery
Police Reports, Meta-Data, Witness Statements, Tow Bills, Phone Records, Video Footage, Toll Road Records are examples of (blank) that independently verify the date of loss for your coverage investigation.
Documentation
Your Insured traded in her 09 Ford Explorer for a 2018 Ford Explorer on June 6th. The prior vehicle had liability coverage only. There was a flood on June 20th that caused damage to the new vehicle. What coverages apply to this loss? Where in the policy can you find the answer?
Comprehensive Coverage applies as the accident was less than 30 days from the replacement date.
See: Part IV: Insuring Agreement-Comprehensive
Additional Definitions: Covered Auto, Replacement Auto