WorksheetsBodily Injury 101
Total questions: 15
Worksheet time: 12mins
Select one answer: Why is timely contact so important?
To meet CAR Standards
To obtain the most accurate information before memories fade
To help you set more accurate initial reserves
To help determine liability sooner
All of the Above
Which is true of Compulsory BI coverage?
It applies in any state
It does not cover injuries to passengers in the IV
The required limits are 50/100
It applies if the IV is being used as a public livery/vehicle for hire
How long do we have to respond to a request for our liability limits?
10 days
30 days
2 weeks
45 days
Select all that would be considered Household Members
a roommate
a spouse
a step-child
a sibling
Select all types of injuries or conditions that need to be reported to Home Office.
Fatalities
Spinal injuries
Brain Injuries/seizures
Significant internal injuries
Vision or hearing loss
True or false: We must input an injury type or Medicare will not be notified of an injury claim.
True
False
True or False: When receiving a reassigned file, you should complete your own coverage, liability and damage review and then document the file with your note.
False
True
Select all that apply. What might change if the insured was in an accident outside of Massachusetts?
The tort threshold
The statute of limitations
The compulsory BI limit
The comparative negligence law
Adjuster licensing requirements
True or False: Injury reserves should be set as soon as possible but always within 5 days
False
True
Select all that apply.
Reserves can reflect on a company's ability to write new business
Reserves do not need to be reviewed once they are established
Actuaries set money aside based on what we reserve
Reserves may be increased or decreased throughout the life of the claim
Treatment and disability periods for the same type of injury can vary based on each individual claimant.
True
False
Select all that can be used to manage Bodily Injury claims
Surveillance
Record reviews
Social media searches
Locus photos and/or video
ISO
Our insured rearended the cmt vehicle, and we have a 100/300 policy. You discover that the cmt will need back surgery. What else will you need to do? Select all that apply.
Nothing if you already have the reserve set at 100k
Notify your TM
Call the insured and send an excess letter
Find out if the insured has an Umbrella policy and who the carrier is
Your TM will be happy if you always check ISO for prior and subsequent losses throughout the life of a BI claim.
True
False
Your TM will be happy if your files reflect a lot of Adverse Development.
True
False
