Coverage
An insured's vehicle is damaged when a large pothole causes them to lose control and strike a guardrail.
What coverage would most likely apply?
Collision
A driver backs out of a parking space and strikes a vehicle traveling through the lot.
Who usually has the greater duty to yield?
The backing vehicle
You discover a passenger in the insured vehicle had no role in causing the accident.
How should they generally be categorized?
NFP
You need to determine whether payment has already been issued on a claim.
Which area would you review first?
Financials
A customer asks why you cannot simply accept what the police report says.
What should you explain?
The police report is one piece of evidence and the full investigation determines liability
Your ph's car is being repaired after a covered loss and they ask for a substitute vehicle.
What coverage helps pay for temporary transportation?
What is rental reimbursement?
A claimant says the GEICO driver ran a red light, but the insured says they had a green light.
What should be done before making a liability decision?
Continue investigating and gather additional evidence
Your insured loaned their vehicle to a friend who caused the accident.
Who would likely be marked Covered By Policy?
The permissive driver
An exposure remains open but all handling appears complete.
Where would you verify or update the handling status?
Exposures
A claimant says they don't agree with your liability decision.
What should you discuss with them?
The duties, breaches, and facts supporting the decision
An insured calls because their battery died in a parking lot and they need a jump start.
Which coverage may assist?
What is ERS
Your insured admits they were texting and never saw traffic slowing ahead.
What duty was likely breached?
Maintaining a proper lookout
ClaimIQ recommends 20%-40% liability for your insured.
What is the lowest evaluated percentage?
20%
A claim activity tells you a subrogation demand has arrived.
What area will help route the demand appropriately?
Demand Summary
A customer says they never got the email regarding their digital payment.
What may have happened if the status is Electronic Notification Failed?
(A paper check was mailed
A vehicle suffers mechanical failure unrelated to an accident and repairs may be covered, similar to a warranty.
What coverage would apply?
What is MBI? (Mechanical Breakdown Insurance)
A driver fails to stop at a stop sign and causes a collision.
What would most likely be the proximate cause?
Failure to obey traffic codes and rules of the road
A party is marked NFP even though they were the at-fault driver.
What is wrong with this setup?
At-fault drivers should not be NFP
You have completed your liability investigation and need to update the official determination.
Where would you make that update?
Claim Details
A body shop asks why their name appears on a vehicle damage payment.
Why might multiple parties appear on a check?
To protect ownership or financial interests in the vehicle
You're reviewing a claim and discover the policy canceled before the loss date.
What type of coverage letter would likely be sent?
Denial of Coverage
A claimant shares fault in a contributory negligence state.
What may happen to their ability to recover damages?
They may recover nothing
(contribute and get no loot)
An associate disagrees with ClaimIQ's recommendation.
What should still support their final liability decision?
Facts, evidence, duties, breaches, and investigation findings
A supervisor asks if the insured's deductible has already been reimbursed through subrogation recovery.
What tab would likely provide that information?
Financials
A customer wants someone else to help manage their claim communications.
How would that person typically be added?
Related Contact