SPF1
SPF 1 is the standard auto policy form for this type of vehicle.
What is a private passenger vehicle?
This type of coverage would typically apply if your rental car is damaged in a collision while you're driving in Alberta.
What is Collision Damage Waiver (CDW)?
This letter is sent to acc support when we don't have coverage
What is Notification of no insurance letter
This database shows an insured’s prior claims history, including dates and types of losses.
What is Autoplus?
A good adjuster always takes this type of detailed account from all involved parties.
What is a statement?
Section B of SPF 1 provides this type of benefit, regardless of fault.
What are Accident Benefits?
This Alberta insurance coverage provides protection for loss of use when your own car is in the shop and you're renting a vehicle.
What is SEF 20 (Loss of Use)?
This letter is sent to insured's when they are found to be at fault
What is a Liability Letter?
A professional who visits repair shops to verify damage, parts pricing, and ensure the estimate is accurate.
What is an Appraiser?
The process of setting aside an estimated amount for anticipated claim costs.
What is reserving?
Section C of the SPF 1 covers this type of loss to your own vehicle.
What is Loss or Damage to the Insured Automobile?
In the event of an accident or damage to the rental vehicle, Enterprise may require you to pay this upfront before processing your claim.
What is the deductible or excess?
Sent when an adjuster must explain that coverage is under reservation of rights pending an investigation.
What is a Reservation of Rights Letter?
When there is suspicion of fraud, the insurer may assign the file to this internal or external group for further review.
What is the Special Investigations Unit (SIU)?
This practice ensures all file activity and decision-making is transparent and defensible.
What is detailed documentation of the claim file?
This is the minimum third-party liability coverage required by law in most provinces under SPF 1.
What is $200,000?
In Alberta, this optional endorsement ensures that third-party liability and physical damage coverage apply when driving a rental car.
What is SEF 27 (Liability for Damage to Non-Owned Automobile)?
Sent to the insured to explain that their claim is being denied due to a material misrepresentation or policy violation.
What is a Coverage Denial for Breach of Policy Conditions Letter?
A tool used to gather the insured’s version of events, usually in writing or over the phone
What is a Statement from the Insured?
Before denying a claim, an adjuster must ensure they apply this principle by reviewing the contract and giving clear written notice.
What is duty of good faith?
Section C of SPF 1 offers these four optional coverages for loss or damage
What are All Perils, Collision or Upset, Comprehensive, and Specified Perils?
Your policy does not cover these while you are in a rental
What is gas, mileage, traffic violations, optional insurance coverage or deposits?
This official document provides details about the collision, including drivers, vehicles, location, and fault indications.
What is a Police Collision Report?
This type of fraud involves a deliberate collision planned to appear as an accident.
What is a Staged Collision?
Adjusters must remain neutral and base decisions on facts, not emotion, which is part of this ethical standard.
What is objectivity?