NGPF Case Study
Insurance coverage
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Case Study Summary
Description: On this Case Study, college students will play the function of a brand new insurance coverage claims consultant who helps varied shoppers take care of totally different facets of utilizing their auto insurance coverage.
Web Utilization: Required
Spreadsheet Expertise: None Alignment to Insurance coverage Unit Studying Goals:
College students will be capable of
● Clarify the elemental ways in which insurance coverage corporations present protection but additionally earn cash as a enterprise (11.1)
● Determine steps to take instantly after an auto accident and efficiently file a declare (11.four)
Fender Bender Frenzy!
Jamal is new to the T-Wrecks Insurance coverage Firm group as an insurance coverage claims consultant and is happy to Help of us out with their automotive insurance coverage wants! That is his second week at this place and he’s studying the ropes to supply top quality service to T-Wrecks shoppers.
Considered one of Jamal’s first tasks is to create a web page for the T-Wrecks firm web site on auto insurance coverage that walks shoppers by way of the steps they need to take after they get right into a automotive accident. Right here’s what he has thus far:
Automobile accidents themselves can’t be anticipated, however you may be ready. The time instantly following a automotive accident is essential to submitting a profitable automotive insurance coverage declare, so figuring out the steps will probably be extremely useful in that course of.
Jamal conducts some on-line analysis to assessment what folks ought to have with them within the case they get into accident and what they need to do throughout and after an accident.
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1. Search the web to seek out some on-line sources that present particulars on what to do to PREPARE for a automotive accident, what to do IMMEDIATELY after the accident, and FOLLOW-UP duties afterwards. Fill within the desk beneath utilizing the data you gathered on-line to Help Jamal create content material for the T-Wreck’s web site.
BEFORE DURING AFTER
The right way to put together for an accident What to do instantly after an accident Comply with-up duties afterwards
Along with your Help, Jamal is now completed with the web site web page and submits it to his supervisor for assessment. His supervisor says, “This seems to be nice! This may Help many people higher perceive what must be executed at every stage after a automotive accident. Thanks! I’m about to hop into a gathering, however I’ve received one other mission for you later.” Jamal heads again to his desk when the cellphone rings…
Jamal: Good morning, that is Jamal with T-Wrecks Insurance coverage Firm. How can I make it easier to at this time?
Stephanie: Hello Jamal, that is Stephanie Salas. On the best way to work this morning, I used to be slowing right down to match the tempo of site visitors and somebody rear-ended me! Each of our automobiles have harm! I’m secure now at work, however needed to comply with up with T-Wrecks about what to do subsequent concerning submitting an auto insurance coverage declare.
Jamal: I’m so sorry to listen to concerning the accident, however glad that you’re now secure! Do you have got the police report and photos of the harm?
Stephanie: Sure, I’ve each!
Jamal: Wonderful. Let’s get began on accumulating and organizing all the obligatory info to make the claims course of as clean as doable. I can e mail you a Claims Worksheet that you will want to finish.
Stephanie: That sounds incredible. Thanks a lot! That is my first automotive accident and first time submitting an auto insurance coverage declare.
Jamal: You probably did the best factor and known as us as quickly as you bought to a secure space! I’m going to ship you an e mail with a declare quantity and a few tips about filling out an auto insurance coverage declare. As soon as you’re executed, we are able to reconnect to speak about subsequent steps.
Stephanie: Thanks! I’ll offer you a name again in about an hour after I’m all executed with the claims worksheet.
Jamal: Sounds good!
Exhibit 1: E mail from Jamal
To: Stephanie Salas
From: Jamal Turner
Topic: T-Wrecks Insurance coverage Declare #: 716550
Ms. Salas,
Thanks for contacting me concerning your latest car incident. I’ve opened a declare in your behalf. Your declare quantity is 716550.
As you collect details about the accident, please file it on the Claims Worksheet connected beneath. Moreover, listed here are some tips about filling out an auto insurance coverage declare:
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Finest,
Jamal
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2. Jamal does some on-line analysis and skims by way of this useful Wallethub article. What are three vital tips about submitting an auto insurance coverage declare that Jamal ought to embody in his e mail to Stephanie?
Exhibit 2: Police Report
Mississippi State Freeway Patrol
1900 W George Washington Ave, Jackson, MS 39216
(601) 841-5019
Police Accident Report
Police Report #: 729A24PF State Motor Automobile Report #: 12407923
Date: four/12/2019 Time: eight:00 a.m. Location: I-55, 37 mi. north of Jackson
Occasion #1 Concerned
Title: Stephanie Salas Age: 19
Deal with: 111 Poplar Lane. Jackson, MS 39216 Telephone Quantity: (601) 992-0019
Make: Ford Mannequin: Explorer 12 months: 2003 License Plate: 63A0BW
Occasion #2 Concerned
Title: Lawrence Stanley Age: 31
Deal with: 37 Durant Circle
Canton, MS 39046 Telephone Quantity: (601) 712-0331
Make: Honda Mannequin: Civic 12 months: 1999 License Plate: Y78PB4
Witness(es)
Title: Monse Finnie Telephone Quantity: (601) 665-9041
Accident Report
At roughly eight:00 a.m. on Friday, April 12, 2019, Stephanie Salas (age 19) was driving her 2003 Ford Explorer XLT southbound on Interstate 55, roughly 37 miles north of Jackson. Her velocity was roughly 55 miles per hour.
Presently, Lawrence Stanley (age 31), was travelling behind Ms. Salas in his 1999 Honda Civic at a distance of roughly 100 ft, at a velocity of roughly 60 miles per hour. Ms. Salas then slowed her velocity whereas Mr. Stanley didn’t, and a collision occurred.
Ms. Salas instantly telephoned 911. I acquired the dispatch name at eight:04 a.m. and arrived on the scene at eight:11 a.m. Ms. Salas and Mr. Stanley had moved over to the aspect of the highway and have been exchanging insurance coverage info. One other motorist, Monse Finnie (age 29) additionally pulled over, having claimed to witness the accident.
Mr. Stanley alleges that Ms. Salas slowed abruptly, and he was unable to lower his velocity sufficient to keep away from a collision. Ms. Salas says she slowed on the identical tempo as the remainder of site visitors. Ms. Finnie stated site visitors slowed at a “regular velocity,” and stated she seen Mr. Stanley’s eyes wanting down in his automobile, and he seemed to be utilizing a mobile phone. Mr. Stanley denied this declare.
Ms. Salas and Mr. Stanley each sustained solely minor scratches. Airbags deployed in each automobiles. Ms. Salas’ automobile sustained main harm to the rear of the automobile, whereas Mr. Stanley’s automobile sustained vital harm to the entrance bumper and hood.
Upon taking statements from all events, and making certain no medical consideration was wanted, I deemed there have been no imminent well being or legal necessities and departed the scene as soon as tow vehicles arrived to take each automobiles to restore retailers for inspection.
Signature
Officer Title: James Moore Signature:
Badge #: 550192 Date: four/12/2019
NOTE: That is NOT AN OFFICIAL POLICE DOCUMENT. It has been created particularly for this exercise and is 100% fictional. Any info beneath is barely supposed for the academic function of getting ready college students within the occasion of a automotive accident. Apart from the emblem, all details about the Mississippi Freeway Patrol has been modified. Please don’t contact MHP with reference to this doc.
Exhibit three: Images
Stephanie Salas’ 2003 Ford Explorer
Lawrence Stanley’s 1999 Honda Civic
Exhibit four: Insurance coverage Playing cards
Stephanie Salas’s Insurance coverage Card
Lawrence Stanley’s Insurance coverage Card
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three. Utilizing Reveals 1 – four, Help Stephanie fill out the Auto Insurance coverage Claims Worksheet.
T-Wrecks Insurance coverage Firm
CLAIMS WORKSHEET
CLAIM NUMBER:
Accident/Loss Information
Date: Time: Location:
Who Else Was Concerned?
Title of Different Driver:
Telephone Quantity: Deal with:
Different Driver’s Insurance coverage Firm:
Telephone Quantity: Deal with:
Title of Different Passenger: Telephone Quantity:
Title of Different Passenger: Telephone Quantity:
Your Claims Rep
Title: Telephone Quantity:
Your Accident/Loss
Police Report Quantity:
State Motor Automobile Report Quantity:
Native Police Station Telephone Quantity:
Briefly Describe the Accident and Harm:
Whereas Stephanie is filling out the claims worksheet at her office, again on the T-Wrecks Insurance coverage workplace, Jamal’s supervisor swings by his desk and says, “Right here’s that subsequent mission I discussed earlier! We have now a number of of us whose instances we have reviewed and sadly, we now have to disclaim their claims. I simply despatched you their information. Please contact them again explaining why their declare was denied and supply them with some precautions that they will take sooner or later to make it possible for their declare goes by way of subsequent time.”
Jamal double checks this listing of the explanation why automotive insurance coverage claims may be denied after which checks his e mail, seeing 2 totally different information from his supervisor. The primary buyer known as in two months after his automotive accident and reported that he’s affected by whiplash. He would now like so as to add this info to his insurance coverage declare.
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four. What reasoning ought to Jamal present for why this automotive insurance coverage declare was denied?
5. What recommendation can Jamal give this consumer to enhance his probabilities of getting authorised for the same declare sooner or later?
The second file is from a buyer who was on a highway journey and had a thief break into her automotive by way of her again window. She says that she thought she had complete protection, however in actuality, her protection did NOT embody it.
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6. What reasoning ought to Jamal present for why this automotive insurance coverage declare was denied?
7. What recommendation can Jamal give this consumer to enhance his probabilities of getting authorised for the same declare sooner or later?
eight. What are three different frequent causes that automotive insurance coverage claims may be denied that you simply need to make sure that YOU are conscious of for your self?
Jamal displays on these two shoppers’ conditions and doesn’t need the identical factor to occur to Stephanie, so he brainstorms some recommendation that he may give her after they reconnect. After Jamal clicks “ship” on the e-mail to the final consumer, a brand new message arrives in his inbox and it’s Stephanie’s Declare Worksheet. He takes a number of moments to assessment it and all the info wanted is included. As Jamal organizes the information into her profile, his cellphone rings as soon as extra…
Stephanie: Hello Jamal, I completed the claims worksheet and simply despatched it your manner.
Jamal: Sure, I’ve simply taken a have a look at it and also you’ve included each element that we want!
Stephanie: Nice! I had a stellar buddy Help me out to verify I didn’t miss something.
Jamal: Seems good. Now we at T-Wrecks Insurance coverage will proceed to assessment and course of this declare, decide what will probably be lined, and assess the loss and harm. We are going to attain out if we want extra info and hold you up to date on the standing.
Stephanie: Thanks Jamal! Is there something that I can do on my finish to make sure that my declare will get authorised?
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9. What recommendation can Jamal give Stephanie to make it possible for her declare will get authorised?
Stephanie: Nice recommendation…I’ll make certain to take action.
Jamal: You bought it. Thanks for being a consumer with T-Wrecks Insurance coverage and for being so proactive on getting this resolved as quickly as doable!
Stephanie: Thanks a lot in your Help. Have an ideal day!
And with that final cellphone name, Jamal checks off his ultimate huge process on his to-do listing for the day. He forwards all of Stephanie’s info to his T-Wrecks Insurance coverage adjuster colleague and packs as much as go dwelling.
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10. After helping Jamal on the T-Wrecks Insurance coverage workplace and serving to Stephanie together with her claims worksheet, what are three belongings you need to bear in mind in the event you get right into a fender bender accident? Clarify why every of those facets are vital to the auto insurance coverage declare course of.
