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Train the Trainer Document review
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Transcript of Train the Trainer Document review
What we will cover
• What is the Accidental Damage Department?• Terminology• Why do we review documents?• Examples of Documents• Are we Ready to Pay?• QUIZ!
What is the Accidental Damage Department?
• A department that deals with Total Loss Insurance Claims
• We oversee the collection and assessment of the Policy Holder’s vehicle.
• Once the Pre-Accident Value has been agreed we review the claim and check their vehicle documents and organise payment of the Policy Holder’s Settlement Figure.
Terminology
1. Total loss2. Category A B C D3. Pre-Accident Value4. Settlement Figure5. MIAFTR6. Repudiation
Why do we review documents?
What do we request?
Why do we request these documents?
What information do we check?
When are we ready to pay the Policy Holder?
V5 What ifs…• Incorrect V5 / Wrong vehicle• Policy Holder is not the registered keeper– Named driver is the registered keeper– Previous owner is the registered keeper
• Incorrect address• Additional information shows Previous Total
loss / Non transferable Plate / Previous owners
No V5?
What if the Policy holder has misplaced their V5?DO NOT PANIC
• Microfilm copy of the V5• DVLA letter• Purchase ReceiptWe then have to notify the DVLA that the Policy Holder is no longer the registered keeper
Checking the MOT• MOT must be valid for the time of the incident – as
stated in the policy• Check MOT online• Newer vehicles don’t require them• Expired MOT
- If under 6 months- Refer to an engineer for appropriate deduction
• If over 6 months - Repudiate
Checking and Updating MIAFTR
Motor Insurance Anti Fraud and Theft Register• Online record• Previous incidents and owners• Highlights any issues for UW such as
undisclosed incidents
Are We Ready to Pay?Have you…• Confirmed that the Policy Holder is the registered keeper and
that all information relating to the V5 correlates to the policy?
• Checked that the MOT was valid for the time of the incident?
• Confirmed that the Pre-Accident Value has been agreed with the Policy Holder and that any deductions have been noted?
• Updated MIAFTR?
Documents Received Template
Documents ReceivedV5: YesMOT: Yes – 19/12/2015MOT Checked Online: YesMIAFTR: Yes - OKOther: purchase receipt, service history, spare keyAction Taken: Service History and Spare key to Copart, Pay
Quiz Questions
1. What is a total loss?2. What is MIAFTR?3. What are the Total Loss categories?4. If there is no V5 what can the Policy Holder
request from the DVLA?
Quiz Answers1. A vehicle that has been classed as uneconomical to
repair or not roadworthy2. Motor Insurance Anti Fire and Theft Register3. Category - A: Burnout (should not return to the road) - B: Structural damage (should not return to the road) - C: Uneconomical to repair (can return to the road) - D: Uneconomical to repair (can return to the road)4. Microfilm V5 or a DVLA Letter