¿Quién Tiene la Culpa?
The insured was rear-ended while stopped at a red light. Who is typically at fault?
Who is the driver that rear-ended them?
Rear-ended
¿Qué es “me chocaron por detrás”?
This type of coverage helps pay for damage to someone else's property.
What is property damage liability?
True or False: Liability coverage pays for your own vehicle damage.
What is false?
This term refers to when the cost of repairs exceeds the vehicle’s value.
What is a total loss?
A driver turns left without yielding to oncoming traffic and gets hit.
Who is the driver making the left turn?
He ran the stop sign
¿Qué es “se pasó el alto”?
This coverage applies if the driver at fault doesn’t have insurance.
What is uninsured motorist coverage?
What is the name of the coverage that helps if your windshield is cracked?
What is comprehensive coverage?
True or False: A car can be declared a total loss even if it still drives.
What is true?
Two cars back out of opposite parking spots and hit each other.
Who is both drivers (shared liability)?
Deductible
¿Qué es “deducible”?
This document lists the key details of an auto insurance policy.
What is the declarations page?
How often should you verify coverage when speaking with a claimant?
What is every time?
This value is used to determine how much the insurance company pays out on a total loss.
What is the Actual Cash Value (ACV)?
The insured was sideswiped while driving straight in their lane. The other driver merged without signaling.
Who is the merging driver?
The insured failed to yield.
¿Qué es “el asegurado no cedió el paso”?
The party listed as the vehicle owner in the claim.
What is the insured?
This term refers to the amount you must pay out of pocket before your insurance pays.
What is a deductible?
In Spanish: “The car was declared a total loss.”
¿Qué es “El carro fue declarado pérdida total”?
A deer causes the driver to swerve and hit a parked car.
Who is the insured (usually not at fault for the deer, but liable for damage to the parked car)?
Translate: “The vehicle was totaled.”
¿Qué es “el vehículo fue pérdida total”?
The part of the claim file where photos, statements, and estimates are stored.
What is the claim documentation section?
This part of the policy shows who is allowed to drive the insured vehicle.
What is the listed drivers or named insured?
This document must be signed and returned by the insured before the total loss can be finalized.
What is the title transfer form or settlement release?