Prob UM/BI
On Problem BIs, what is the first document you should review.
What is the application.
Who do we need to have an excess conversation with?
Who is Driver, Owner and anyone who is vicariously liable.
Will UM apply in single vehicle losses?
What is Maybe- we need to rule out a phantom vehicle being involved.
Which case law is keeping the insured informed about affidavits
Who do we seek a release of?
Who is our owner, driver and anyone vicariously liable
If the policy is old and we can not find the UM rejection form in PCV, what would you request.
If the owned Vehicle is not listed on the policy and there is Non-Stacked UM coverage, what exclusion applies?
What is Exc 1B.
When do we not need a UM selection/rejection form?
What is when it is stacked matching BI and when there is no BI on the pol.
What are ways to independently verify claimants injuries?
What is CC, ISO, Hosp, our insured?
If the insured has another policy with another carrier, which release should we use.
What is Additional Insurance.
Policy is taken out in June 2018 with No BI or UM. BI is added to the policy in Jan 2019. UM is rejected. When did we need to obtain a UM rejection form?
What is after Jan 2019
Who is always listed on a policy disclosure but not always on a release?
Who is the Named Insured
How long do we have to respond to a CRN?
If the policy is out of state, who do you need to contact?
What release do we use when the claimant and their spouse are injured?
What is the release preserving spouse BI
If it is a problem BI, who do we need a recorded statement from?
Who is our named insured?
When is the insured spouse able to make a BI claim (FL policy)?
What is when they do not reside in the same house hold as the insured.
If a claimant is self insured, when does UM kick in?
What is right away- Young V. Progressive.
Name at least 5 things you should do on day one.
What is complete a review of the entire file, do an intake, call the insureds, complete a scene, send excess letters (if applicable), call the claimant, call the cc- obtain FOL and limits, call medical providers, call for possible biz...
Who do we need to discuss a mutual release with?
Who are our insureds, management and legal
What steps would you take if we do not have a valid UM form and the insured is non-cooperative?
When does EXC 11 (BI to you or a relative) not apply to a minor child of our Insured?
What is when they share a resident with the other parent.
The BI claim is with Progressive, when can you pay your UM claim
What is after the BI tenders or globally tenders.
When should you tender?
What is when injuries, damages and liability meet- Powell
If an attorney request to use their own release, who approves the requested release?
Who is your favorite claims attorney