Coverage
What are three situations where you can place a manual CC on an RV claim?
3 SITUATIONS MANUAL CC NEEDED ON RV CLAIMS:
1) break-in if RPE is presented 2) water damage/ wear&tear 3) animal damage
What sporting event is held every Memorial Day?
The Indy 500
How do you fill out CIQ for MT claims?
Originally, Amazon only sold what kind of products?
BOOKS
What needs to be reviewed on repo claims?
- Affidavit of Repo
-Date claim filed vs DOL (repo date)
-does the damage match any prior claims?
SECONDARY:
insd is driving friends veh. while backing out of the friends garage, she hits friends wall. Is there coverage?
Since the veh is a non-owned auto, we WOULD cover the wall since its property not owned by or in charge of insd
What is the highest- grossing film of all time?
UNRESOLVED CLAIM: How many attempts should be made to INSRD before setting liability?
-What are your next steps after exhausting all attempts?
3 attempts, we should be making these attempts on consecutive days. If after 3 attempts to INSRD no answer, review with sup next steps. Is there evidence in file that confirms insrd is AF?
In the car industry, what does "BMW" stand for?
Bavarian Motor Works
Loss of Earnings:
-Claimant states uses vehicle for uber, unable to use due to damage in accident.
What info is needed?
- Screenshots from app illustrating no revenue on the days they are alleging they could not work.
-past 3 months worth of income so we can calculate average daily rate (or 1099 from last year)
-need to confirm how many days a week they work
Claim filed for possible secondary coverage. What information do we need to confirm to further review cc37?
- who owns the veh (are they listed on policy)
-->are they resident relative to insrd?
-who was driving it (are they listed on our policy)
-did we have permission to drive veh?
-does primary have adequate coverage?
What was the first Pixar movie?
Toy Story
ARB - IS THERE AN AWARD GRANTED?
WHAT ARE NEXT STEPS?
YES $1,907.08
NEED TO CONFIRM PD LIMITS AND ALL PAYMENTS ISSUED THRUS FAR FIRST
TRUST BUT VERIFY
What is the rarest M&M color?
Brown
Loss of Earning:
Claimant states the work as a DJ, they use their vehicle to carry around equipment. Due to the accident, they have been unable to work. What further information do we need?
-What is their normal veh size?
-Why were they not able to get into a bigger vehicle?
-How are they employed? private company or employer?
-How are they paid? per gig? per hour?
-We need proof that they had work planned for the time they are claiming they could not have worked.
-Then we need proof that those gigs were not worked.
We receive a CPW back approved for a RISK state WA disclaimer. What needs to be added to the INSRD disclaimer letters?
BONUS QUESTION: is this needed for denial too?
DOI language
yes
How many people have walked on the moon?
12
Clmt does not have FPC and GEICO has completed a estimate for them, BEFORE we can draft pro ratas what information do we need to confirm?
That they are the vehicle owner.
What is the only continent without an active volcano?
Australia
Can a private individual be a lienholder for an insurd vehicle and submit a repo claim?
Yes, as long as they provide proof of them being the lienholder on BOS paperwork and affidavit of repo
Illinois Risk / Cali Loss
Insrd rented RV thru outdoorsy.
Does coverage apply? How did you find your answer?
Yes coverage applies cuz IL does not have the private vehicle sharing program disclaimer - BUT then we go to CALI vehicle code which states:
California Code, Insurance Code - INS § 11580.24
(c) A personal vehicle sharing program shall, for each vehicle that it facilitates the use of, do all of the following:
personal vehicle sharing program shall assume all liability of the owner and shall be considered the owner of the vehicle for all purposes.
so we would be SECONDARY
What is the national sport of Japan?
Sumo Wrestling
Vehicle listed on GEICO policy effective 08/03/2023 same vehicle listed on Allstate policy effective 08/04/2023.
Do we have coverage?
IF GEICO WAS IN FORCE FIRST AND THEN ANOTHER POLICY WAS TAKEN OUT TO COVER THE VEHICLE WE WILL SUBMIT CPW TO DISCLAIM COVERAGE:
Recommend to disclaim coverage under Section V, 10. Other Insurance, as the [year, make and model] was insured under (other insurance pol) effective DATE.
** for all other states we will need to review policy and amendments to see if CPWs applicable or not
What is the national animal of Scotland?
The Unicorn
What is the loss payable clause?
Any claim under the Physical Damage Coverages of the policy will be paid jointly to the insured and the Lienholder in the Declarations. The Lienholder must notify us if he becomes aware of any increased hazard or change of ownership of the auto or he will lose all of his rights under this policy. If the insured fails to file with us a Proof of Loss within 91 days after the loss, the Lienholder must do so within the following 60 days. The policy provisions on time of payment, appraisal and the right to sue us applies both to the Lienholder and the insured. We may settle a claim at our option by separate payment to the insured and the Lienholder. Whenever we pay the Lienholder, we shall be subrogated to the Lienholder's rights of recovery to the extent of the payment. If the policy is in effect as to the Lienholder but has been canceled as to the insured, the Lienholder must assign the loan to us if we ask and we pay the full amount due. We will mail notice to the Lienholder at least 10 days before we cancel his interest in the policy.