MCCCD Program Description

Auto Claim Practices

Course: INS225

First Term: 2018 Fall

Lecture 3.0 Credit(s) 3.0 Period(s) 3.0 Load
Subject Type: Occupational
Load Formula: S - Standard Load

Description: Overview of auto accident claims. Covers procedures for resolving vehicle damage claims including Alternative Dispute Resolution (ADR). Also covers investigating losses, analyzing liability, and costs and benefits of litigation.

MCCCD Official Course Competencies
1. Distinguish between first party and third party claims. (I) 2. Identify claim handling activities. (I) 3. Describe auto loss notice forms and their purpose. (I) 4. Summarize the key factors in analyzing auto liability claims. (II) 5. Explain the differences between tort, criminal, and contract law. (II) 6. Identify claim situations involving vicarious liability, negligent entrustment, and contractual liability. (II) 7. List tort defenses available to insurance companies in responding to a claim for damages. (II) 8. Describe the difference between coverage and liability for a loss. (II) 9. Discuss the different types of reports and statements in the investigative process. (III) 10. Determine the scope of the evaluation process and factors used by adjusters investigating a claim. (III) 11. Describe types of reports used to evaluate auto losses. (III) 12. Explain the difference between personal injury protection (PIP) claims and medical payments claims. (IV) 13. Distinguish between uninsured and underinsured motorist losses. (IV) 14. Identify the nature of the promise made by insurers to defend the insured in the event of a loss. (V) 15. Describe how policy exclusions may impact an insurer`s obligation to provide a defense and/or pay for a loss. (V) 16. Summarize the types of vehicle damage claims covered by the Personal Auto Policy (PAP). (VI) 17. Describe the damages associated with auto liability claims. (VI) 18. Identify the different claim settlement approaches used by insurers to resolve claims. (VII) 19. Describe the different forms of alternative dispute resolution (ADR) employed by insurers to quickly and fairly resolve claims. (VII) 20. Discuss the process and steps involved in claim litigation. (VIII) 21. Identify the indicators of fraud in all types of auto claims and how adjusters manage this exposure. (VIII)
MCCCD Official Course Competencies must be coordinated with the content outline so that each major point in the outline serves one or more competencies. MCCCD faculty retains authority in determining the pedagogical approach, methodology, content sequencing, and assessment metrics for student work. Please see individual course syllabi for additional information, including specific course requirements.

MCCCD Official Course Outline
I. Auto claims A. Overview B. Types C. Activities of adjusters D. Economic and non-economic damages E. Auto loss forms II. Analyzing liability A. Factors B. Laws 1. Tort 2. Civil vs. criminal 3. Contract C. Tort defenses D. Negligence III. Investigation A. Process B. Reports and statements C. Scope D. Evidence E. Doctrine of proximate cause IV. First party bodily injury losses A. Personal Injury Protection (PIP) B. Medical payments C. Uninsured motorist D. Underinsured motorist E. Fraud indicators in bodily injury claims V. Coverage issue investigation A. Policy definitions B. Insured vs. non-insured C. Insuring agreements D. Auto policy exclusions VI. Vehicle damage claims A. Procedures 1. Overview 2. Tools 3. Techniques B. Collision C. Other than collision D. Partial vs. total loss E. Valuation F. Fraud indicators VII. Claim resolution A. Laws affecting coverage B. Damages C. Valuation of losses D. Claim settlement methods E. Alternative Dispute Resolution (ADR) VIII. Litigation A. Steps B. Tasks performed by claims adjusters C. Jury award 1. Overview 2. Define 3. Jury award variables

MCCCD Governing Board Approval Date: May 22, 2018

All information published is subject to change without notice. Every effort has been made to ensure the accuracy of information presented, but based on the dynamic nature of the curricular process, course and program information is subject to change in order to reflect the most current information available.