MCCCD Program Description

Auto Insurance and Claims Overview

Course: CSR232

First Term: 2009 Spring

Lecture 3 Credit(s) 3 Period(s) 3 Load
Subject Type: Occupational
Load Formula: S

Description: Overview of auto insurance coverage, including claims and claims handling. Emphasis on liability, uninsured and underinsured motorist, medical and physical damage

MCCCD Official Course Competencies
1. Identify the different levels of claims. (I) 2. Identify the different types of claim handlers and the types of claims they handle. (II) 3. Identify types of auto insurance coverage. (III) 4. Determine which coverage concepts apply to accident situations. (III) 5. Define the Principle of Indemnity and its application to insurance. (III) 6. State how limits provide boundaries on how much insurance companies can pay for losses. (III) 7. Explain the sections of a contract. (IV) 8. Summarize information regarding liability coverage. (V) 9. Find liability coverage information in a contract. (V) 10. Summarize information regarding uninsured and underinsured motorist coverage. (VI) 11. Find uninsured and underinsured motorist information in a contract. (VI) 12. Compare and contrast liability coverage with uninsured and underinsured motorist coverage. (V, VI) 13. Summarize information regarding medical payments. (VII) 14. Find medical payment information in a contract. (VII) 15. Summarize information regarding physical damage. (VIII) 16. Find physical damage information in a contract. (VIII) 17. Identify the rights and duties of the insured and insurance company. (IX) 18. Find physical damage information in a contract. (VIII) 19. Identify the rights and duties of the insured and insurance company. (IX)
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. Levels of Claims A. Simple B. Complex C. Severe II. Claim Handlers A. Levels 1. Claims Representative - Immediate Response Unit (IRU) 2. Senior Claims 3. Adjuster 4. Examiner B. Loss Responsibilities 1. No Injuries 2. Injuries 3. Serious Injuries III. Auto Insurance Coverage A. Liability (Part A) B. Medical Payments (Part B) C. Uninsured Motorist and Underinsured Motorist (Part C) D. Physical Damage (Part D) E. General Provisions (Part E) IV. Auto Insurance Contracts Sections A. D - Declarations B. I - Insuring Agreement C. C - Conditions D. E - Exclusions E. E - Endorsements V. Liability Coverage A. Covered Persons B. Legally Liable vs. Legally Entitles C. Bodily Injury D. Property Damage E. Exclusions F. Elements of Negligence 1. Duty Owed 2. Duty Breached 3. Proximate Cause 4. Damages G. Limits of Liability VI. Uninsured and Underinsured Motorist Coverage A. Defined B. Legally Liable vs. Legally Entitles C. Table of Coverage VII. Medical Payments A. Benefits 1. Air Bag & Seat Belt 2. Extended 3. Premiums 4. Personal Injury Protection B. Exclusions VIII. Physical Damage A. Comprehensive Losses B. Collision Losses C. Rental Reimbursement Coverage D. Towing and Labor Coverage IX. Rights and Duties A. Insured B. Insurance Company E. Transportation Expense IX. Rights and Duties A. Insured B. Insurance Company

MCCCD Governing Board Approval Date: 3/24/2009

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.