Negligence Laws
The negligence law in California
Pure Comparative
This letter is created when a policy in about to cancel
NOC/IEN
General insuring agreement, specific coverage insuring agreement, definitions, exclusions, definitions, conditions and endorsements
Order Of Interpretation
Who would never recieve a Prop 103
A Claimant
The system used to review recorded calls
Verint
A person who is 50% or more at fault is barred from recovery
Modified Comparative Negligence - 50% Bar
An insured has stated they should have a valid policy
Coverage Assertion
Written in the policy to identify what will not be covered by the insurance provider
Exclusions
The only state where Prop 103 is required
California
21st Policies are looked up via this system
PSP
A person who is 51% or more at fault is barred from recovery
Modified Comparative Negligence - 51% Bar
A recorded conversation is not required when
Insured affirms there is no coverage
This endorsement is found on every Farmers CA 56-5684 policy
Endorsement CA125
A Prop 103 letter is sent to our insured when we are found "this" at fault
"Principally" at fault
We use this resource within PSP to review all documents associated with a policy
Document Repository
Any contribution of negligence whatsoever bars recovery for that party
Pure Contributory Negligence
A customer is on a 2 Pay Statement that is about to renew if a customer never makes another payment when will the coverage cancel?
Back to the policy effective date
A civil wrong, which allocates responsibility for injurious conduct
Tort Law
_______ can be included in the total amount of damages assesed towards Prop 103
Deductible
21st Policies beginning with this number are newly written into PSP
7
The definition of Negligence
Negligence is a failure to act in a way that a reasonable person would when faced with the same situation and circumstances
A insured has an accident on September 24th 2019. Farmers sent our insured a NOC that will cancel on October 5th 2019. How would coverage be handled?
Extend Coverage
The definition of accident is not met, nor is the definition of insd driver. In the end, we would have to ______ coverage
Disclaim
This is the cost threshhold to trigger a Prop 103 letter for injury claims
One Cent
The Verint11 web address allows us to review these recorded conversations
Policy Services