Exposures, Reserves and Pay Codes
Insured's vehicle was attacked by a bear. She expressed concern due to the fact she only has one vehicle and needs to drive to and from work. What exposures should we be opening?
Policy Coverages:
Bodily Injury 50,000/100,000
Property Damage 50,000
Collision 500
Comprehensive 100
Rental Reimbursement 750
Comprehensive and Rental Reimbursement.
Insured expressed concerns about their rental reservation. The body shop has delayed the repairs by 6 days due to a delay in shipment and their rental is due tomorrow. What are your next steps?
A. Extend their rental by 5 days
B. Extend their rental by 2 days
C. Warm transfer to the PD adjuster
D. Warm transfer to Enterprise
C. Warm transfer to the PD adjuster
When will the option to schedule a VIC (Vehicle Inspection Center) become available?
A. When the vehicle has considerable damage to the rear.
B. When insured requires their vehicle to be salvaged instead of repaired.
C. Only after inputting the damage and ATLAS deems the vehicle to be a "potential total loss."
D. When 2 or more tires are missing.
C. Only after inputting the damage and ATLAS deems the vehicle to be a "potential total loss."
What program do we use to send text messages?
A. Our phones
B. Eloquence
C. Salesforce
D. Text message tab
C. Salesforce
We had just set up an ARX (Auto Repair Xpress) appointment, and they do not have rental reimbursement coverage. If they ask you if they can still get a rental, what is the best response to help our customer?
A. You do not carry rental coverage on your policy, however since we partner with Enterprise they will give you a rental at a discounted rate.
B. You do not carry rental coverage. Any rentals needed will be an out-of-pocket cost.
C. Because you have been such a loyal customer for the last 3 months, we would like to offer you a rental free of charge.
D. You do not carry rental reimbursement coverage on your policy, however I can transfer you to the service department to see about adding it to your policy.
A. You do not carry rental coverage on your policy, however since we partner with Enterprise they will give you a rental at a discounted rate.
What exposure(s) and reserve line(s) apply for claimant's damages and rental vehicle?
A. Property damage exposure: property damage reserve line
B. Property damage exposure: property damage and loss of use reserve lines
C. Property damage exposure: property damage reserve line; rental reimbursement exposure: rental reimbursement reserve line
D. Property damage exposure: property damage and rental reimbursement reserve lines
B. Property damage exposure: property damage and loss of use reserve lines
Insured calls in looking to set up repairs for their vehicle. They advise this is their first claim ever with GEICO and they need a rental to get to and from work. There are no CCs on the claim. What is the best filing option for insured?
A. EPE
B. ARX
C. Field Inspection
D. Drive By
B. ARX
Collision and comprehensive coverages are referred to as what type of coverage?
A. Automobile
B. Essential
C. Liability
D. Physical Damage
D. Physical Damage
When do we queue a tow?
When insured owes fees on the vehicle.
Insured advises that her neck started to hurt after being involved in a rear end. She stated that due to her busy schedule she has not been to the hospital; however, if the pain does not go away, she will set up a video appointment with her doctor.
In ATLAS, what is the proper answer for "treatment received?”
No
Insured is responsible for a 3 vehicle loss. The 3 claimant vehicles involved include an Audi, a Range Rover, and a Lamborghini. What pay code are we selecting for property damage?
The insured's coverages include:
BI: 25/50
PD: 15k
UMPD: 15k
A. Inspect and pay
B. Inspect only
C. Photographs only
D. We do not inspect vehicles on PDX claims
B. Inspect only
The insured's vehicle is non-drivable and is currently located in a tow yard. You establish a loss report and schedule a non-drivable ARX (Auto Repair Xpress).
True or false. Your next step is to dispatch a tow provider to pick up the vehicle right away? Why?
False. Since the vehicle is located at a tow yard there will be fees and we should queue the tow.
What is a CC37?
A. Policy expired prior to loss date.
B. No match on vehicle (vehicle not listed on policy).
C. NDE - Named Driver Exclusion.
D. Policy endorsement made within the last 55 days.
B. No match on vehicle (vehicle not listed on policy).
Casualty level handles all of the following scenarios except what?
A. Lawsuits (suit paperwork)
B. Fatalities
C. 1st party injuries
D. 3rd party injuries
C. 1st party injuries
Which scenario below can we RPO (Report purpose only)?
A. Insured was rear ended by claimant. Claimant advised they were uninsured at the time of the loss.
B. Insured changed lanes, merging into claimant's lane, denting the rear passenger side quarter panel.
C. A squirrel jumped onto the hood of insured's vehicle and scratched the paint; however, insured does not want to set up repairs at this time.
D. Insured struck a parked and unoccupied vehicle, but claimant filed through their own insurance.
C. A squirrel jumped onto the hood of insured's vehicle and scratched the paint; however, insured does not want to set up repairs at this time.
Claimant calls in to file an FNOL. A CC37 triggers, because the vehicle claimant reported for insured is not on insured's policy.
What pay code would we open for property damage?
A. Inspect and Pay - Good Pay Code
B. Inspect and Pay - Bad Pay Code
C. Inspect Only - Good Pay Code
D. Inspect Only - Bad Pay Code
D. Inspect Only - Bad Pay Code
If you are scheduling or changing a same day ARX (Auto Repair Xpress) appointment, what must you do?
Call the ARX shop to let them know of the appointment/change.
Claimant struck our insured who was walking across the road at a cross walk. What is the proper “accident type” when taking an FNOL?
A. Non-Fault PIP Only
B. Non-Fault All Other
C. Struck While a Pedestrian
D. Act of Nature
C. Struck While a Pedestrian
You offered the non-drivable ARX (Auto Repair Xpress) to our insured, but they are concerned that the body shop will not use the right parts. What is the best response below to insured's concern?
A. "Insured, I understand your concern. I will google what shops in your area have the correct parts for your vehicle. We can then arrange to have your vehicle repaired at that body shop."
B. "Insured, I understand your concern. I will set up an inspection for a PD adjuster to come to your house and inspect your vehicle.”
C. "Insured, I understand your concern. Our next best option will be to schedule you with an Easy Photo Estimate. After the Easy Photo Estimate is completed, you can bring your vehicle to any body shop of your choice."
D. "Insured, I understand your concern. I want to assure you that GEICO is committed to a quality repair, and back up our commitment by giving you a written lifetime guarantee for your repairs for as long as you own your vehicle. The GEICO Physical Damage Adjuster will discuss this question with you in more detail."
D. "Insured, I understand your concern. I want to assure you that GEICO is committed to a quality repair, and back up our commitment by giving you a written lifetime guarantee for your repairs for as long as you own your vehicle. The GEICO Physical Damage Adjuster will discuss this question with you in more detail."
The insured states that their iPhone was damaged after they were in a non-fault accident. The insured is filing through their policy with GEICO. Which section of the Family Auto Policy will apply to the damages to the iPhone?
A. Section I- Exclusions
B. Section III- Exclusions
C. Section I- Losses We Will Pay For You
D. Section III- Losses We Will Pay For You
B. Section III- Exclusions
Claimant reported that our insured made a sudden lane change into their established lane of travel. Claimant wants to pursue repairs and a rental through GEICO. What reserves should we be opening?
Property Damage + Loss of Use
What are the 5 steps to dispatch an accident tow?
Select the vehicle, verify the pay code, confirm if there were any fees owed on the vehicle, confirm the vehicle location and the best contact and verify that the damages are properly listed on the dispatch page.
What must be advised to our insured when explaining rental reimbursement coverage?
A. 30 days up to the maximum limit
B. Maximum limit and reasonable repair time
C. Maximum limit
D. Rental Reimbursement coverage does not cover rentals for our insured
B. Maximum limit and reasonable repair time
Insured calls in reporting transmission failure for their vehicle. They are looking to file a claim using their MBI coverage. What are the proper steps for handling?
A. Start a loss report to determine if the insured has MBI coverage. If MBI coverage is not listed on the vehicle, do not complete the loss report. If MBI is listed on the vehicle, transfer to the MBI department for them to complete the loss report.
B. Take a loss report and schedule an MBI inspection.
C. Transfer the insured to the MBI department right away.
D. Review the policy in Peak/Edge. If MBI coverage is not listed on the vehicle, do not complete the loss report. If MBI is listed on the vehicle, transfer to the MBI department for them to complete the loss report.
A. Start a loss report to determine if the insured has MBI coverage. If MBI coverage is not listed on the vehicle, do not complete the loss report. If MBI is listed on the vehicle, transfer to the MBI department for them to complete the loss report.
Which coverages do not have deductibles?
Rental Reimbursement, Property Damage and Bodily Injury.