Endorsements
This federally required endorsement makes an insurance company pay third‑party damages from a trucking accident, even if the policy normally would not cover the loss.
MCS‑90
'Any Auto'
Symbol 1 or 61
Status Letters are due every __ Days.
30. (From the day you first sent your original email or letter)
What does MIT stand for? and what is it used for?
What does ADP stand for and what does it mean for the claim?
'Auto Physical Damage'
Damage is to the insured vehicle only (collision, comprehensive, theft, fire, vandalism, animal hit, etc.).
No third‑party property or injury being handled
This endorsement requires trucks and drivers to be reported and approved before a loss, or coverage will not apply.
TPN‑512
This symbol applies liability coverage only to vehicles specifically listed on the policy.
Symbol 7 or 67
A release is required when total property damage exceeds $_____?
$5,000
What is Auto Liability?
The insured is alleged to be at fault for damage or injury to a third party.
Who is our vendor for subro?
Avalon
A claim is denied because neither the truck nor the driver was approved before the loss under a “permission‑first” endorsement.
TPN‑513
This symbol covers liability for autos the insured does not own, such as employee vehicles used for business.
Symbol 9 or 69.
After 30 days of no claimant response, you can send what letter?
LOI
For a LL, reserves or settlement authority may exceed $______. You must submit the LLR within __ days of receiving this information.
$50,000.00.
30.
When a _______ demand is received, any demand over $_____ must be submitted to________________________________ for review prior to settlement consideration.
1. Subrogation
2. $5,000
3. Innovative Claims Services (ICS)
A claim is denied because the driver was not approved before the loss, but the adjuster properly documents that the endorsement requires prior approval for coverage to apply.
TPN‑512
A business rents a truck for a one-day job. Coverage applies under this symbol.
Symbol 8 or 68
When a vehicle theft claim is received, the following document(s) must be obtained from the insured:
Affidavit of Theft and Police Report
Trisura requires a ___ ____ (Pre‑Funding) notification to be escalated for all payments over $_______.
Cash Call.
$100,000.00.
IF INSURED IS AT FAULT & LIABILITY DEDUCTIBLE APPLIES...?
An adjuster denies coverage because the truck and driver were not approved before the loss. The accident involved interstate travel and serious third‑party injuries. The adjuster closes the file without issuing payment or documenting any further exposure. What did the adjuster fail to do?
failure to consider MCS‑90
A fleet policy includes Symbol 2 for liability and Symbol 7 for comp/collision. A vehicle is purchased and immediately totaled before being reported. Liability would apply, but physical damage would likely be denied because:
Symbol 7 does not automatically cover newly acquired autos
What letter is issued when an insurer lacks key facts—such as driver info or cooperation—and outlines policy-related concerns during an ongoing investigation?
ROR
Which carrier requires escalation when cumulative reserves reach $50,000? and Which carrier requires escalation when cumulative reserves reach $30,000?
Trisura.
Munich Re.
Which vendor handles Auto Physical Damage and Cargo claims for Bricktown?
North American Risk Services (NARS).