AL AUTO POLICY BASICS
This section of the policy outlines the types of coverage available, including liability, collision, and comprehensive.
What is the Declarations Page?
Liability coverage includes these two types of protection for accidents caused by the insured.
What are bodily injury liability and property damage liability?
Our insured paid a family member out of pocket to use their vehicle while our insured vehicle was in the shop for repairs. The insured is seeking reimbursement for their policy limit. Would this be reimbursed?
What is no per the Rental Reimbursement Coverage Insuring Agreement.
If our named insured passes away, when should their policy terminate? Where is this information located?
When is at the end of that current policy period? This is located under the Transfer of Interest section.
This process is used to locally mail letters, documents, and payments.
What is Intellirouter Mail/Assist Requests.
Alabama law requires this type of coverage to protect others if you cause an accident.
What is liability insurance?
In exchange for payment, we will pay damages and injuries for which this person becomes legally responsible for due to an accident.
What is an Insured Person.
Under Part 4, what is the maximum amount that we can pay for injuries/death to a pet in our insured vehicle?
What is $1,000.00?
What is our duty to preserve if we retain salvage of a vehicle?
What is we have no duty? Under Legal Action Against Us.
When should lienholders be added to a payment made on a claim?
When the payment exceeds $3,000.00 for an auto or $5,000.00 for a commercial vehicle.
Found under Payments on First Party Claims with Lienholders job aid.
This term refers to the amount you pay out-of-pocket before your insurance covers the rest of the claim.
What is a deductible?
Our insured rented their vehicle to an ULD, who struck a mailbox. Would PD be afforded for this loss? If not, which exclusion would most closely apply?
What is no. Exclusion 15 would apply.
This is the term used to describe the value of a vehicle at the time of loss, factoring in depreciation.
What is actual cash value (ACV)?
When we elect to non-renew a policy, what is sufficient proof of this action?
What is a mailed non-renewal letter?
This letter, located in EFF, needs to be sent to all parties every 30 days when the claim is still unresolved.
What is a Delay Letter.
This optional coverage helps pay for medical expenses for the driver/passengers in your vehicle regardless of who is at fault in an accident
What is MedPay coverage
Under Part 1, what does 'CSL' stand for?
What is 'combined single limit'?
Our insured damaged a rental vehicle. Part of the rental agency's demand includes diminished value. Would this be covered if our insured is legally liable for the accident?
What is no, per exclusion 10?
What section of the policy outlines our right to use Mitchell estimating software/WCTL to address estimates and/or evaluations?
What is the Settlement of Claims section?
When is it acceptable to Advance our insured's deductible?
When the adverse party is at fault and the claimant carrier has confirmed coverage and accepted responsibility.
This section of the policy explains what is NOT covered, including intentional damage or racing.
What are exclusions?
Our insured was hauling another vehicle that they own but is not listed on the policy. The vehicle is damaged when it falls off of the trailer. Would this damage be covered under Part 1? If not, which exclusion would most likely apply?
What is no. Exclusion 10 would apply.
How is the Actual Cash Value (ACV) of a vehicle determined?
What is by the market value, age, and condition of the vehicle at the time the loss occurs?
Would we cover a loss that occurs in Canada? What section of the policy outlines this?
What is yes under the Policy Period and Territory section?
What activities should be completed the day a vehicle is identified as a total loss?
Move the vehicle to IAA and set RH assignment. Complete the TL Day 1 template. Upload ADOR and the TL Doc Gen.