Coverage
A third party witness, a police report, a tow bill, and telematics data from GEICO's DriveEasy program are all examples of sources that confirm this
What is Date of Loss?
Referencing the photo, this person is the insured.
Who is Mxbfj Ffpwo?
While working CIQ, you can use the "Guidance" link under each breach to learn more about what it is, which can help you determine if it applies/whether it was breached/by whom. List some possible breaches in a typical intersection loss. (multiple correct answers)
what is:
- maintain proper lookout
- obey traffic code
- yield right of way
- respect control of intersection
- maintain safe vehicle
- etc
"I don't want to be recorded, I already did all that with my own insurance company," Claimant Shaquille tells you while making First Contact. This is how we can get their statement.
What is 'Take a Verbal Interview without recording them?'
These are example of interested parties that could be marked as Negligence Free Party (NFP) in ClaimIQ (multiple correct answers)
what is:
- passenger
- owner who wasn't driving
- witness
- pedestrian
- cyclist
a cc99 needs two pieces of information in order to resolve. One is to verify the date of loss (ie by using telematics data or a police report). This is the other piece.
What is verify payment? (By reviewing EDGE)
While working a "document upload" activity in the claim, you see the document is labeled as having a time limit demand. However, once you open and inspect the document, it's actually an information exchange report from the police. This is our handling process.
What is:
-rename the document
-update the information on file according to the document
-notate the file and move on
ClaimIQ will determine a fair range of liability for each party. We then enter our evaluated liability percentage from within that recommended range. These are the factors ClaimIQ uses to determine the range.
What are the breached duties and proximate cause?
(These can be marked as low, medium, and high for each driver)
Policyholder Maxwell was involved in a merging style loss where both parties are disputing liability. Maxwell may have been driving for Uber at the time of the accident. This is the number of phone calls we need to have with Maxwell to secure both their coverage and liability recorded interviews
What is one?
both RIs can be done on one call, even as you take separate recordings
This letter notifies interested parties about our ongoing coverage investigation. It maps out to policyholder exactly what we need from them in order to resolve coverage.
What is a Reservation of Rights?
This person is the best trainer within GEICO
Who is Kamera Langston?
This is the first step to take in ATLAS when we receive a subrogation demand from an adverse carrier
(assume we have accepted liability and have no coverage concerns)
What is assign SRT under the Demand Summary Tab?
Policyholder Marvin loans his vehicle to his friend Maxwell, who is then involved in an accident with Claimant Doug, who was driving a limousine owned by Claimant Limu. This is who we mark as CBP
Who is Maxwell?
"There's no way you can say I'm at fault!" Claimant Mayhem disagrees with your liability decision. This is how you would handle the call.
FoL: cmt merged into ph due to cmt lane closing
ph poi: pass qtr panel
cmt poi: dvr fender
What is 'have a detailed discussion with the customer about how we determined liability?'
*this may include elements such as reviewing evidence, duties, and breaches while following the 'pattern of agreement'
Defined in the policy as 'In, upon, entering into or alighting from the vehicle.'
what is 'occupying?'
Policyholder Caveman (first name The) is excluding his pig of a son Maxwell on the policy. Maxwell then pancakes claimant Mayhem's parked car. This is the name of the document we need to attach to the CPW.
What is UE119
(also known as NDE or Named Driver Exclusion, but be familiar with the UE119 name)
Once a liability decision has been reached, we really ought to notify all parties involved immediately. By lay, this is the number of days we have to send out those letters.
What is 15 days?
In ClaimIQ these are the steps needed to mark that we accept liability when we are 100% at-fault. (need all four elements)
1. select "Offer"
2. enter today's date
3. enter "100%"
4. check the "Accepted" box
(also be familiar with how this is works when we do not accept liability)
You get off the phone with Attorney Phoenix Wright, who represents our insured, Caveman (first name The). The attorney tells us his client was rear-ended by claimant Mayhem, insured by Allstate. Attorney Wright's client is now in intensive care with multiple fractured ribs and fractured hip. In addition to getting Allstate's disposition, this is the important information we need from the Adverse Carrier
(With severe injuries there is a possibility we will need to utilize UM/UIM coverage)
Policyholder The Caveman and Claimant Mayhem are involved in a head-on collision. We investigate and determine both parties are 50% at fault. The road they were driving on was in a state the follows 'contributory' negligence law. Mayhem's insurance, Allstate sends us a demand for $15,000 in property damage. This is how much we pay.
What is 0%?
In a contributory state, you must be 0% at fault to be able to recover, and Mayhem was def more than that
Policyholder Gary reports they were involved in an accident last week. You determine their policy canceled more than 2 months ago. The CSCA (artist formerly known as RLA) has approved your CPW as the policy was not active at the time of loss. This is the type of letter we send to Gary advising the results of our coverage investigation.
What is "Denial of Coverage?"
Ghosting our client, refusing to settle the Property Damage portion of the claim until they accept our BI settlement offer, or denying liability after improperly investigating their claim are all violations of these
What are the Fair Claims Settlement Practices?
After assessing breaches, you click on the "View Recommendations" button and see CIQ give a range of 50-75% for our policyholder, Mike. This is what we enter in CIQ as our evaluated liability AND recommended range (need both elements)
What is 50% evaluated, 50-75% recommended range?
Claimant Cantrelle is involved in an intersection loss with our insured, Gary, who was driving a rental car at the time of the accident (cc37 for unlisted vehicle). There is a dispute about who ran their stop sign. This is the number of recorded statements we need to resolve the entire claim.
What is 3?
(coverage and liability RI for ph Gary, plus liability RI for cmt Cantrelle)
ATLAS will automatically advance our insured's deductible when certain conditions are met. In addition to Adverse Carrier accepting liability with no coverage issues AND not issuing any direct payments to our insured, they need to be a member of this group
What is Arbitration Forums?
(also known as ESubHub on the floor)