Quality items, Cause/ effect
Coverages not read
Insured is unaware of policy
Text sent BEFORE we contact customers
CAT
Our Founder's name?
G.J Mecherle
a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree.
Collision- G
"Can I have a copy of my insurance card?"
Call CCC with insured/ warm transfer or Agent can mail or email a copy during business hours.
Claimant QFC not added in pending
We do not get claimant statement
What pieces of info do we need to verify insured?
Name, address, DOB, social (we usually can see last 4), phone
What is vendor assist?
Inspection is used for an RV (or motorcycle, ATV, Trailer)
a coverage that helps pay to replace or repair your vehicle if it's stolen or typically covers damage from fire, vandalism or falling objects (like a tree or hail).
Comprehensive- D
"Can I rent my own vehicle?"
You can contact the rental vendor of choice to arrange for a rental replacement vehicle
Please submit your receipt for consideration of reimbursement. Reimbursement will be at the rate of a rental vehicle in your location based upon ERAC or Hertz rates, whichever is lower.
Rental vendors other than ERAC or Hertz may or may not direct bill State Farm, and additional rental charges may apply which could cause you to reach your coverage limit more quickly, or result in extra out of pocket expenses depending on the type of coverage you carry
NPS not added into claim OR NPS not associated to insured
Payments take longer to complete
When an insured is injured, what info do we take?
Injury description, DOB, Social
A right held by most insurance carriers to legally pursue a third party that caused an insurance loss to the insured; allows the at-fault driver’s insurance company to compensate the other driver’s insurance company for any claims they paid.
Subrogation
helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim. It does not apply if your vehicle needs routine maintenance work or if you need to rent a car on vacation.
R, R1, Rental coverage, travel expense coverage
"Is this going to effect my rates?"
Speak with your agent. There are many different aspects that go into your rates, those things may include number of claims within the policy period, cost of those claims, location, etc.
Salvage or subrogation not identified or opened during the FNOL
Slows claim, and ultimately payment, down for insured/ claimant
Text sent in ECS or HAART to CONFIRM insured's info
Confirm ID ODM
What is the only estimate option that does NOT automatically send thru HAART
EA
covers damage to your car or property after a crash with an at-fault driver who has no car insurance
UMPD
"Why do I have to pay if it's the claimant's fault?"
You CAN use your coverages to assist have your repairs done quicker, have your work warrantied by SF, and we can pursue SUBROGATION. You CAN also go thru the OIC, repairs won't happen immediately, but nothing comes out of pocket.
How do YOU explain?
Not moving claim to it's final point
More points for more answers
Slows for everyone involved, slows repairs, salvage for insured or claimant, causes additional rework by SF workers
The "golden ticket"
More you can name, more points
PAIRRM-
Name a few states claimants MUST use SS shops
AK, AL, AZ, DC, FL, ID, IL, IN, KS, KY, MO, NE, NM, NV, OH, SC, SD, TN, UT, VA, VT, WA, and WYAK, AL, AZ, DC, FL, ID, IL, IN, KS, KY, MO, NE, NM, NV, OH, SC, SD, TN, UT, VA, VT, WA, and WY
If you cause an accident or someone is injured on your property, you could be found legally liable for resulting expenses, such as medical or legal bills.
Explain for more points
A, liability insurance
XX/XX/XX
"What is full coverage?"
There's really no such thing as "full coverage" for your car.
"full coverage" car insurance can refer to a combination of coverages that help protect a vehicle.
Some coverages (such as auto liability) are required by state law. Others (such as rental reimbursement) may be optional, depending on the insurer and your situation. So, it's up to you to choose car insurance that fits your needs — making sure your coverage meets state requirements and helps you protect your car, agents can assist.