FNOL/MOI PROCESS
WHAT ASSIGNMENT NEEDS TO BE CREATED FOR A PROBABLE TOTAL LOSS
SALVAGE APPRAISAL
WHAT CODE ON THE ESTIMATE REFLECTS A TOTAL LOSS
CODE 15
IF A VEHICLE IS DEEMED A TOTAL LOSS USAA WILL BE PAYING THE ______
ACTUAL CASH VALUE
IF A MEMBER HAS QUESTIONS ON PAPERWORK OR SIGNING INSTRUCTIONS WHAT DO THEY DO
CONCTACT IAA/COPART DIRECTLY AND REFERENCE THEIR WORK ORDER ID#
FOR A NON-LIEN (1ST PARTY) , PAYMENT IS ISSUED TO THE MEMBER AND ALL OTHER _____ OWNERS.
TITLED
WHERE SHOULD A VEHICLE BE MOVED TO DETERMINE ITS REPAIRABILITY
FIELD INSPECTION STATION
WHICH TEAM ASSISTS WITH TOTAL LOSS
TOTAL LOSS PREP TEAM
IF A SETTLEMENT CANNOT BE AGREED UPON WITHIN _____ THE ADJUSTER SHOULD REVIEW THE CLAIM FOR APPLICABLE ALTERNATIVE DISPOSAL OPTIONS AS WELL AS SETTLEMENT DISPUTE ROUTES THAT MAY BE AVAILABLE IN THE APPLICABLE STATE.
30 DAYS
HOW LONG WILL THIS PROCESS REALISTICALLY TAKE
THE PROCESS CAN VARY BASED ON SHIPPING CONDITIONS, VOLUME AND PAPERWORK ACCURACY THE AVERAGE TIME FROM PAPERWORK BEING SENT TO USAA RECEIVING THE OKAY TO PAY IS 5 - 7 BUSINESS DAYS.
THE MEMBER MUST HAVE AN ___________ ARE REQUIRED TO BE ON THE EFT ACCOUNT
EMAIL AND ALL PAYEES
HOW DOES USAA OBTAIN A RELEASE WHEN THE VEHICLE IS AT A SHOP OR TOW YARD
CONDUCT A 3-WAY CALL WITH THE SHOP/TOW YARD TO ENSURE THE VEHICLE IS RELEASED
ADJUSTERS SHOULD UPDATE SETTLE TOTAL LOSS DIARY LINE AS APPROPRIATE AND DIARY OUT ____ DAYS
4 CALENDAR DAYS
HOW FAR OUT CAN WE EXTEND RENTAL FOR A MEMBER AND CLAIMANT
MEMBER: 7 DAYS
CLAIMANT: 3 DAYS
A CAUSE OF LOSS LETTER IS INTERCHANGEABLE WITH A _______
POLICE REPORT
WHAT GREEN BUTTON MUST WE CLICK ON FOR PAYMENT DETAILS
OKAY TO PAY
WHICH TASKS ARE GENERATED WHEN THE SYSTEM RECOGNIZES A TOTAL LOSS
HANDLE PROCESSING OF TITLE DOCUMENTS
SETTLE TOTAL LOSS
MOVE TOTALED VEHICLE
WHAT DOCUMENTS SHOULD AN ADJUSTER OPEN PRIOR TO NOTIFYING A MEMBER THEIR VEHICLE IS A TOTAL LOSS
1. CCC VALUATION
2. VEHICLE PHOTOS
3. MOST RECENT ESTIMATE
4. CLAIMS DOCUMENTATION
HOW SHOULD YOUR DIARY LINE READ IF THE MEMBER IS DISPUTING THE TOTAL LOSS DECISION, THE VEHICLE IS AT A SOC, AND THE LAST DAY OF RENTAL IS SET FOR 7-25-2020
N: TL DISP IV@SOC LDOR 7/25
WHEN IS IT OKAY TO CLOSE A CLAIM DUE TO LACK OF INTEREST
WHEN THE VEHICLE IS NOT IN USAA'S POSSESSION (NOT AT AN IAA OR COPART SALVAGE YARD), NO SETTLEMENT PAYMENTS HAVE BEEN ISSUED AND THE OWNER HAS NOT RESPONDED OR IS NOT ACTIVE IN MOVING THE PROCESS FORWARD
FOR A 3RD PARTY, WHICH FLY OUT DO WE CLICK ON TO LAUNCH THE PAYMENT PREFERENCE SCREEN
PAYMENT PREFERENCE FLY OUT > LAUNCH PAYMENT PREFERENCE
WHAT DO WE INSTRUCT MEMBERS TO REMOVE FROM THEIR VEHICLE PRIOR TO SALVAGE TOW
ALL PAPERWORK INCLUDING REGISTRATION
GARAGE DOOR OPENERS
TOLL TAGS
LICENSE PLATES (IF APPLICABLE)
NAME 4 OF THE ELIGIBILITY REQUIREMENTS TO EXTEND A SETTLEMENT DIGITALLY
1.MUST FIRST MEET ALL RULES FOR DIGITALLY EXTENDED OFFERS
2. ONLY 1 FIRST PARTY EXPOSURE CAN BE OPEN
3. NAMED INSURED MUST BE AN OWNER OF THE VEHICLE
4. OFFER MUST BE LESS THAN $50k
5. INSURED VEHICLE MUST BE A CAR, TRUCK OR SUV
6. NO PREVIOUS OFFERS HAVE BEEN SENT AND VALUATION CODE MUST MATCH POLICY BASE STATE ZIP CODE
7. APPRAISAL ASSIGNMENT PAY CODE MUST BE YES
WHY DOES USAA USE CCC VALUATIONS
THEY VALUE YOUR VEHICLE IN YOUR LOCAL MARKET BASED ON ZIP CODE WHERE COMPARABLE VEHICLES ARE ADDED DAILY. THEY ACCOUNT FOR EACH MILE AND OPTION IDENTIFIED ON YOUR VEHICLE. TO ACCURATELY DETERMINE CONDITION, THEY USE FOUR (3 IN CA) STANDARD CONDITION RATINGS IN 12 CATEGORIES.
WHAT HAPPENS IF THE OWNER CONTACTS USAA AFTER LACK OF INTEREST HAS BEEN COMPLETED
ADJUSTER SHOULD REVIEW TO VERIFY THE CLAIM IS WITHIN THE STATUTE OF LIMITATIONS. IF SO, THEY CAN RE-OPEN THE CLAIM AND PROCEED AS NORMAL. THE ADJUSTER SHOULD USE THEIR DISCRETION TO DETERMINE IF THE VEHICLE WARRANTS REINSPECTION FOR MILEAGE/ADDITIONAL DAMAGE.
FOR SALVAGE CLOSURE, THE TOTAL LOSS CLAIMS WILL CLOSE AUTOMATICALLY ONCE THE FOLLOWING CONDITIONS ARE MET:
THE SALVAGE STOCK/LOT IS COMPLETED AND THE SALVAGE INVOICE IS POSTED PAID