DRP
Which vehicle status is applicable for DRP?
The vehicle can driveable or non-driveable.
Who is eligible for accident scene tows?
Insured that is listed on the policy.
No, the only exception is if they are flooded.
What policy type is not eligible for Accuserve?
Accuserve is not available for NatGen Premier policies.
What exposure should be opened for an Encompass policy if there is damage to an insured's home?
What party is DRP applicable for?
DRP is only applicable for the insured.
When collision and comprehensive are listed coverages for insured vehicle.
What must the status and location of the vehicle be?
The vehicle must not be drivable and located in a tow yard.
What claim qualifies for water mitigation?
The policy must be active and include dwelling coverage.
You would open collision for IV and PIP for insured driver and insured passenger.
Do vandalism or CAT codes qualify for DRP?
What step should you take before contacting the roadside vendor?
You should reach out to the accident scene tow verification channel in Teams.
In which situation is copart/quickmove applicable for claimant vehicle?
When insured vehicle is at fault in a rear end collision.
Are CAT claims eligible for Accuserve?
Yes, CAT claims are eligible for Accuserve. However, there may be times when we have to temporarily shut down the program because contractors may be unavailable due to logistics and volume.
How many unofficial exposures can you open in a PIP state?
You may open one or two unofficial exposures max in a PIP state. You may open PIP and BI only in PIP states.
What states should you verify if insured has an estimate or shop for repairs?
You should verify only for the states of New York, Michigan, and Minnesota.
Does IV qualify for an accident scene tow if it is located at a residence or apartment complex?
No, the IV does not qualify for an accident scene tow if it is located at a residence or apartment complex. The insured would need to speak to their adjuster.
What are the requirements for copart/quickmove when applicable for claimant vehicle?
The VIN is required for claimant vehicle. The claimant vehicle must also be located at a tow yard.
What are three steps that the insured can and cannot take during the mitigation process?
They can protect their property from further damage (using a tarp, calling a contractor, etc.) They can remove damaged property so the family is not in harm's way but SHOULD NOT dispose of any items. They can keep any and all receipts but must discuss any POSSIBLE reimbursements with the Claims Representative.
If insured is driving a rental car in New York, Texas, Rhode Island, and New Jersey with no injuries in unlisted vehicle. What exposure would you open?
You would open unofficial coverage material damage third party.
Insured was driving an unlisted vehicle at the time of the accident. Would DRP be applicable?
No, in order for DRP to be offered to insured there must be no coverage questions.
If a tow is NOT at the scene of the accident, who should complete setting up the tow?
The tow would be completed by the handling claim representative and not by a member of FNOL.
In what state are Imperial claims not applicable for copart/quickmove?
Imperial claims are not applicable in the state of Florida.
If the homeowner has already contacted a water mitigation company, are we able to offer Accuserve?
No, we would not contact Accuserve. We would document the name of the company and the phone number in the loss description.
Regardless of who is at fault in an accident in the state of Michigan. What coverage would you open?
Regardless of who is at fault, coverage is only selected for the insured vehicle and anyone in the insured's vehicle.