Knowledge Check

Miscellaneous

100

What two rental companies is Progressive Contracted with?

Enterprise and Hertz

200

Name two ways to set a repair for an insured or claimant?

Self Service and Referral Hub

300

Can we upgrade an Insured rental vehicle if their policy limit is $30/900 MAX because they want to drive a SUV. The insured stated because they currently drive a Ford Escape, they should get an SUV.

No, we have to follow policy limits. They can pay out of pocket.

400

Where can you find the Emma tool?

Start tasks direction from the party tab, by clicking on the sparkle icon on the right-side column.

500

What are the 3 pieces to a General ROR for a coverage investigation?

Duties, policy period and territory and Fraud and misrepresentation

Abbreviations

100

MOI/MOR

method of inspection, method of repair

200

What is GCP?

Guided Photo Capture

300

UPD

Unrelated Prior Damage

400

ROR

Reservation of rights

500

CVQ

coverage verification question

Definitions

100

What is Comprehensive? 

A loss not caused by collision includes:

1.  contact with an animal (including a bird);

2.  explosion or earthquake;

3.  fire;

4.  malicious mischief or vandalism;

5.  missiles or falling objects;

6.  riot or civil commotion;

7.  theft or larceny;

8.  windstorm, hail, water or flood; or

9.  breakage of glass not caused by collision.

200

What is collision?

means the upset of a vehicle or its impact with another vehicle or object.

300

What is Pure Comparative?

Each person is entitled to recover damages from the other party, to the degree (%) that they themselves were not at fault

400

Contributory negligence means..

Claimant cannot collect if at all negligent

500

What is Modified Comparative 50/50 Rule?

 

• Person is entitled to recover damages from the other party if their negligence is equal to, or less than, the other party's negligence
• 
  
  • 50/50 Rule: One can collect if they are equal to or less at fault than the other party

MOI/MOR

100

What is Self Service?

A digital link to send to the customer, to allow them to select an option to inspect or repair their vehicle.

200

What are 3 methods of inspection?

photo estimate (PEG)

Drive-in Estimate

Field inspection

300

What are Method of Repair Options?

Network Shop
NWS vs. SWE

or
Non-network Shop

400

What is a damage waiver?

–A damage waiver is additional coverage that can be purchased through the rental car company to “insure” the rental while the customer is driving it.

–We do NOT cover the damage waiver for our insureds.

500

What should you do if a customer is undecided?

Push PEG

Coverage

100

The insured comes outside to find that someone has keyed their car. What line coverage should this claim be paid under?

Comprehensive

200

The insured is driving down the highway when they see a mattress flying through the air. They are unable to avoid it, and it strikes their vehicle. What line coverage should this claim be paid under?

Commprehensive

300

A tree falls on the insured vehicle.  What line coverage should this claim be paid under?

Comprehensive

400

Our insured rear ended the CV.  We have already paid for the IV and CV damages but receive a rental bill from the claimant a month later. What line coverage should the rental bill be paid under?

Property Damage

500

The IV’s tire blows out while they are driving down the highway.  Their wheel then hits the ground causing wheel and suspension damage. What line coverage should this claim be paid under?

Collision