Good
Damage resulting from a covered vehicle hitting, or being hit by another vehicle or another object, or the overturning of a covered vehicle is defined as a:
Loss caused by Collision
Michael Cummings and Paul Proctor are shown on the Declarations Page of a State Farm Car Policy, in that order. Michael lives with his wife, Amanda. Paul lives with his wife, Sue. Which of these parties does not meet the definition of You or Your as defined in the policy.
Sue Proctor
Which 3 items should be part of any initial claim file review?
Verify policy is in force
Identify driver and listed policy drivers
Verify the vehicle involved in the loss
A claim was submitted through statefarm.com and you are working a New Claim Task. After confirming the claim is in the correct Demand Pool, what is your next step?
Review New Claim for Coverage
What are the Elements of Negligence?
Duty Owed
Duty Breached
Proximate Cause
Actual Damages
Direct, sudden and accidental damage to a covered vehicle that does not meet the definition of a loss caused by collision is a?
Comprehensive Loss
Marcy insures her Toyota Prius with State Farm. The Prius was involved in an accident and was towed to a body shop since it wasn’t drivable. Marcy rented a Nissan Altima from Mike’s Car Rental, Inc. to use while the Prius was under repair. If Marcy was in an accident in the Nissan Altima, how would it qualify under her Toyota policy?
Temporary substitute car
You are completing an initial review of the claim file reported through the State Farm app that involves a two vehicle accident. The facts of loss are unclear and there are damages to both vehicles. What steps should you take next?
Make outbound calls to the vehicle drivers based on direction of the SCPs
You have just completed a QFC with the named insured on a single vehicle loss in which only the insured’s vehicle sustained damage. When documenting your conversation in ECS, what file note Category Group(s) are appropriate for this situation?
Express and QFC
The named insured failed to stop at an intersection with a stop sign and hit the claimant. The insured was issued a ticket for failure to stop at a traffic sign. The insured’s feels the claimant was speeding. Statements taken by the police from the claimant and a witness verify the named insured failed to stop at the intersection, which supports your investigation. There was no evidence of excessive speed on the claimant’s part. Based on the investigation is it reasonable to establish liability at 100% on the named insured?
Yes
Based on the coverage strip below, what coverages are present?
A 100/300/100, C5000, H, G500, R1 25/600
Liability, Medical Payments, Emergency Road Service, Collision, Car Rental and Travel Expense
Sandra insures her Dodge for D500 and G500. Sandra was involved in a collision. Her car sustained damage and is not drivable. The police had the vehicle towed to the impound lot, which was adjacent to a repair facility. Sandra then had her car towed from the impound lot within reasonable distance to where she wanted the repairs done. State Farm is paying for the body damage to her car under Collision Coverage. Which towing bill(s) are payable under collision coverage?
Both the initial tow and the second tow
The loss was reported by the insured. During an outbound call with the claimant for a Quality First Contact (QFC) to discuss a claim that occurred in Illinois, the claimant complains of a neck sprain and headaches since the accident. The claimant indicates that they have not received nor do they plan to seek medical treatment at this time. Which is the next appropriate action?
Since a new injury exposure has been identified, update the Injury indicator to “Yes” and reassign the claim to Injury
Bob insures his Mini Cooper with State Farm under policy 9800A for A25/50/25. He has a 15- year-old son, Jason, who resides with him. Bob told Jason he is never to use the Mini for any purpose. Jason took the Mini anyway and negligently struck a parked and unoccupied van. Which of the following statements is correct regarding Liability Coverage?
Jason is a group 1.a.(1) insured
Which pay code would you use to reimburse a Claimant for a previously unpaid tow bill if payment has already been made for repairs and rental and put the 200 COL into a paid status?
Pay Code
Which coverage is utilized to pay a 3rd party for injury or damage to property?
Liability Coverage
State Farm insures a Buick for A 25/50/15 and H. The insured, Marcy, drove over a rock that was in the road. The rock hit the oil pan on the Buick. Immediately, the check engine light came on. She pulled to the side of the road and called for roadside assistance, who determined the vehicle was not drivable. Although it was not the nearest facility that could perform the necessary repairs, Marcy had the car towed to a repair facility next to her home, where the oil pan was replaced. Which expenses are covered under Emergency Road Service?
Towing to the nearest repair facility
You are completing a QFC with the insured on a new claim that was reported through statefarm.com, in which the described vehicle has sustained hail damage but is drivable. The insured has A100/300/50, C10000, D100, G250, H, R1 80%/1500. You have confirmed it’s a covered vehicle and the definition of loss has been met and no catastrophe has been declared. Per the lifecycle of a claim, what action should be taken next on the call?
Utilize the IOT to determine the Inspection Options, read ADSP and offer the appropriate Inspection Option(s).
Susan insures her Honda with State Farm for A100/300/50. Susan bought a new Toyota. The day after she took delivery, Susan let Mark, her resident son, drive the Toyota. While driving the Toyota, Mark had an accident causing bodily injury to the driver of the other vehicle. Susan had not purchased insurance on the Toyota. Which is correct regarding Liability Coverage for Mark from the Honda policy?
The Toyota qualifies as a newly acquired car and Mark is an insured
Customers can use their smart device to take and send photos of their damages via a free downloaded app. A State Farm Auto Estimatics Appraiser (AEA) will review the photos and create an estimate. What does this process describe?
Pocket Esitmate
The named insured has A 100/300/100, C5000, H, G500, R1 25/600 and has filed a claim for vandalism to the described vehicle and the investigation determined this was a covered loss. They will need replacement transportation while their vehicle is being repaired. What coverage should be utilized to provide them with a vehicle?
Car Rental and Travel Expense Coverage
Bert, the Named Insured (NI), has A 100/300/25. He ran a red light, struck two vehicles, and caused property damage to both vehicles. What is the liability limit under the policy that applies to the damage to the claimants’ vehicles?
$25,000
You are on a call with the claimant and in process of explaining the 50-50 liability decision. The claimant agrees with the facts of loss but disagrees with the liability decision. Is this a scenario that would require reassignment of the claim?
No, because the disagreement is only about the 50/50 liability decision and not the facts of loss
Marnie Wilson insures a Chevrolet truck with State Farm for A100/300/50. Marnie and her friend, Ben, went to play golf. As Ben was exiting the vehicle, the passenger door of the truck struck the vehicle parked next to the Chevy truck. Which of the following is correct regarding Liability Coverage for Ben from the Chevrolet policy?
Ben is a group 3.a. insured
Betterment occurs when the repair of a vehicle or vehicle part improves the condition and value of that property in comparison to its condition before the loss. Is this statement true?
Yes