Coverage #1
Parties to be released on PAP.
Who is the owner, the driver, and the person who signed for the minor DL?
This department takes the entire claim if any of the involved vehicles was a golfcart, e-bike, or motorcycle.
What is special lines?
A document required from the lienholder on a total loss.
What is Letter of Guarantee?
If there is no readily verifiable information to support who was driving the vehicle, this document must be uploaded prior to sending the claim to CVT.
What is a Signed Excluded Driver Endorsement Form?
This is sent if an additional household member over 15 years old is identified.
What is an Underwriting memo?
Required total loss documents for an electronic title, no lienholder
What is POA & Odometer disclosure?
Independent verification of address for ULD.
What is running Accurint?
Once a claim has been identified as a HELP loss, non-HELP reps should cease any further work until directed to do so by the HELP rep. This includes...
What is taking statements, or having vehicles torn down for repair?
Total loss rental expectations.
What is three days from when we determine the vehicle is a total loss?
Exists when there appears to be at least 2 drivers and 2 vehicles garaged in 2 different locations.
What is dual garaging?
URBI accepts PD in addition to BI if the injured party is...
Who is the owner, the spouse of the owner, or the minor child of the owner?
The amount of advance notice required for a same day total loss meeting.
What is 4 hours?
The exclusion that applies for the following scenario:
-Our insured was transporting passengers for compensation at the time of the accident.
What is Exclusion 1?
If present on the policy, we would open this coverage if the insured was (1) injured from the accident (2) not at fault for the loss (3) there is no BI coverage available through the at fault party's policy
What is UM?
This coverage applies if a customer is upside down on their loan. (They accept the collision and rental in addition to this feature)
What is LoanNPO?
The features needed for the following scenario:
Lexington was the rear driver in a rearend accident.
Lexington had her best friend in the vehicle with her who was injured and treating.
The leading vehicle driver was also injured.
What is BI for the best friend, BI for Lexington's best friend, PIP, and PD?