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 cope with completely different points of utilizing their auto insurance coverage.
Web Utilization: Required
Spreadsheet Expertise: None Alignment to Insurance coverage Unit Studying Aims:
College students will be capable of
● Clarify the elemental ways in which insurance coverage corporations present protection but in addition generate profits as a enterprise (11.1)
● Establish 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 crew as an insurance coverage claims consultant and is worked up 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 prime quality service to T-Wrecks shoppers.
Considered one of Jamal’s first initiatives 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 to date:
Automobile accidents themselves can’t be anticipated, however you could be ready. The time instantly following a automotive accident is essential to submitting a profitable automotive insurance coverage declare, so understanding the steps shall be extremely useful in that course of.
Jamal conducts some on-line analysis to evaluate what individuals 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 search 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 under utilizing the data you gathered on-line to Help Jamal create content material for the T-Wreck’s web site.
BEFORE DURING AFTER
Tips on how to put together for an accident What to do instantly after an accident Observe-up duties afterwards
Together with your Help, Jamal is now completed with the web site web page and submits it to his supervisor for evaluate. His supervisor says, “This seems to be nice! This can Help many people higher perceive what must be carried out at every stage after a automotive accident. Thanks! I’m about to hop into a gathering, however I’ve acquired 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 Help you to as we speak?
Stephanie: Hello Jamal, that is Stephanie Salas. On the way in which 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 vehicles have harm! I’m secure now at work, however wished to observe up with T-Wrecks about what to do subsequent concerning submitting an auto insurance coverage declare.
Jamal: I’m so sorry to listen to in regards to the accident, however glad that you’re now secure! Do you could have the police report and photos of the harm?
Stephanie: Sure, I’ve each!
Jamal: Wonderful. Let’s get began on amassing and organizing all the essential info to make the claims course of as easy as potential. I can e-mail you a Claims Worksheet that you will want to finish.
Stephanie: That sounds improbable. Thanks a lot! That is my first automotive accident and first time submitting an auto insurance coverage declare.
Jamal: You probably did the appropriate factor and referred to 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 recommendations on filling out an auto insurance coverage declare. As soon as you’re carried out, we are able to reconnect to speak about subsequent steps.
Stephanie: Thanks! I’ll provide you with a name again in about an hour once I’m all carried out 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 vehicle incident. I’ve opened a declare in your behalf. Your declare quantity is 716550.
As you collect details about the accident, please report it on the Claims Worksheet hooked up under. Moreover, listed here are some recommendations on filling out an auto insurance coverage declare:
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Greatest,
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 recommendations on 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
Social gathering #1 Concerned
Title: Stephanie Salas Age: 19
Handle: 111 Poplar Lane. Jackson, MS 39216 Cellphone Quantity: (601) 992-0019
Make: Ford Mannequin: Explorer 12 months: 2003 License Plate: 63A0BW
Social gathering #2 Concerned
Title: Lawrence Stanley Age: 31
Handle: 37 Durant Circle
Canton, MS 39046 Cellphone Quantity: (601) 712-0331
Make: Honda Mannequin: Civic 12 months: 1999 License Plate: Y78PB4
Witness(es)
Title: Monse Finnie Cellphone 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 obtained 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 facet 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 mentioned site visitors slowed at a “regular velocity,” and mentioned she seen Mr. Stanley’s eyes trying down in his car, 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’ car sustained main harm to the rear of the car, whereas Mr. Stanley’s car sustained vital harm to the entrance bumper and hood.
Upon taking statements from all events, and guaranteeing 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 vans arrived to take each automobiles to restore outlets 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 under is barely supposed for the tutorial function of making 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 regard to this doc.
Exhibit three: Pictures
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 Data
Date: Time: Location:
Who Else Was Concerned?
Title of Different Driver:
Cellphone Quantity: Handle:
Different Driver’s Insurance coverage Firm:
Cellphone Quantity: Handle:
Title of Different Passenger: Cellphone Quantity:
Title of Different Passenger: Cellphone Quantity:
Your Claims Rep
Title: Cellphone Quantity:
Your Accident/Loss
Police Report Quantity:
State Motor Automobile Report Quantity:
Native Police Station Cellphone Quantity:
Briefly Describe the Accident and Injury:
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! Now we have 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’ll 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 could be denied after which checks his e-mail, seeing 2 completely different information from his supervisor. The primary buyer referred to 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 shopper to enhance his possibilities 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 shopper to enhance his possibilities of getting authorised for the same declare sooner or later?
eight. What are three different widespread causes that automotive insurance coverage claims could 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 can provide her once they reconnect. After Jamal clicks “ship” on the e-mail to the final shopper, a brand new message arrives in his inbox and it’s Stephanie’s Declare Worksheet. He takes a number of moments to evaluate 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 method.
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 pal Help me out to ensure I didn’t miss something.
Jamal: Seems good. Now we at T-Wrecks Insurance coverage will proceed to evaluate and course of this declare, decide what shall be coated, and assess the loss and harm. We are going to attain out if we want further 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 ensure to take action.
Jamal: You bought it. Thanks for being a shopper with T-Wrecks Insurance coverage and for being so proactive on getting this resolved as quickly as potential!
Stephanie: Thanks a lot to your Help. Have an excellent day!
And with that final cellphone name, Jamal checks off his ultimate large 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 along with her claims worksheet, what are three stuff you need to bear in mind should you get right into a fender bender accident? Clarify why every of those points are vital to the auto insurance coverage declare course of.
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Case Study of the NGPF
Insurance coverage
Summary of the Case Study
On this Case Study, college students will tackle the function of a brand new insurance coverage claims agent who Helps a number of shoppers with varied elements of utilizing their auto insurance coverage.
Web entry is required.
Alignment to Insurance coverage Unit Studying Aims: None Spreadsheet Expertise: None
College students will be capable of do the next:
● Clarify the elemental ways in which insurance coverage corporations present protection but in addition generate profits as a enterprise (11.1)
● Establish 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 crew as an insurance coverage claims consultant and is worked up to Help of us out with their automotive insurance coverage wants! That is his second week at this place and he
