Consulting the Contract
This page of the policy is typically towards the front of the contract, listing who is covered, what vehicles are insured, which coverages were purchased, and more
What is the declarations page?
In a coverage investigation pending activity, once a coverage decision is made (afford, deny, or disclaim) this is the final step you would update, which involves updating all interested parties of the decision or if you made ALL the attempts to complete the investigation, what would you select on the activity?
What is "Complete?"
The type of coverage needed to fix policyholder's vehicle after hitting a pothole
BONUS POINTS: What liability decision would it be?
what is 'collision?'
BONUS ANSWER: NON-FAULT POTHOLE
Step one when working CIQ, the first button you click once the page loads
What is 'select the correct loss scenario?'
Policyholder is 45% liable and Claimant is 55% liable in the loss. In a Contributory Negligence state, this is the amount GEICO would pay the claimant
what is '0%?'
This section of the policy outlines the organization of the contract; helpful if you need to know where to find the other sections
What is the policy index?
The correct coverage decision when presented with the following cc33 scenario:
"I've had a policy with you for years for my Mustang. I just recently bought a Bronco and added it to my policy, and then got rear ended in the Mustang!"
what is 'resolve the cc,' (adding the Bronco has no bearing on the claim)
The four phases of an investigation, no matter what you're investigating
what is 'decide what to investigate, gather evidence, analyze, make a decision?'
what we mark non-drivers as in CIQ; non-drivers could mean passengers, witnesses, pedestrians, property owners, etc
what is 'Negligence Free Party' or 'NFP?'
Policyholder is 45% liable and Claimant is 55% liable in the loss. In a 'Not Greater Than' Comparative Negligence state, this is the amount GEICO would pay the claimant
what is 0%?'
This document adds additional coverage to an existing policy; this change is typically initiated by the customer, not the company
What is an endorsement?
When investigating a rideshare coverage concern, any of these 'evidences' can help establish whether the policyholder was signed in to the rideshare app
what is (any of the following):
- ph admits to ridesharing
- rideshare logs
- a police report that states ph was ridesharing
defined as 'damage to vehicle and property and physical injuries to occupants'
what is 'damages?'
the person we mark as CBP, or Covered By Policy in most liability investigations
who is the Driver of the Policyholder's vehicle
(need to specify 'driver' to get credit)
Policyholder is 45% liable and Claimant is 55% liable in the loss. In a Pure Comparative Negligence state, this is the amount GEICO would pay the claimant
what is '45%?'
This section of the policy outlines the rules the customer has to follow, along with instructions for how to cancel or change the policy
What is General Conditions?
an example of this could be a rental car, rented because the policyholder's regular vehicle is in the shop for repairs
what is 'temporary substitute auto?'
(be familiar with the difference between temp sub and non-owned auto)
The four elements of negligence; also know as 4 legal liability principles
what is 'duty, breach, causation, damage?'
While there may be several breaches of duty that contributed to the overall accident, there is only one of these we will mark as a High breach in CIQ
what is 'proximate cause?'
Policyholder is 45% liable and Claimant is 55% liable in the loss. In a 'Less Than' Comparative Negligence state, this is the amount we would be owed from the claimant
what is 55%?'
This document changes the existing language of the policy; typically this change is initiated by the company, not the customer.
What is an amendment?
DAILY DOUBLE:
After attaching PORS and CANS to a CPW, this is the most likely recommendation when investigating a fatal coverage condition
BONUS: For life upstairs, what must a claim w/ fatals have BEFORE a CPW?
What is 'deny?'
(remember these will be escalated to the supervisor AND the CSCA before approval)
BONUS: U/W NOTATION
the 'silver lining' we can offer when advising the policyholder they are at-fault in a loss?
what is 'property damage will cover claimant's damages with no out-of-pocket costs?'
DAILY DOUBLE:
Once CIQ calculates the percentages and gives a range or 20-45% for the policyholder, this is why we mark 20% as our liability decision
what is '20% is the lowest fair percentage?' or 'so we have room to negotiate with adverse carrier?'
or "What's the highest we'll accept"
Policyholder is 45% liable and Claimant is 55% liable in the loss. In a Pure Comparative Negligence state, this is the amount we would be owed from the claimant
what is '55%?'