Beginning the Insurance Claim Process.docx

**Multiple Choice Questions:** 1. **What is the first step after a client signs up with us and provides information about their accident?**\ a) Send a letter of representation\ b) Enter the client's information into CasePeer and call each car insurance company\ c) Get a claim n...

**Multiple Choice Questions:** 1. **What is the first step after a client signs up with us and provides information about their accident?**\ a) Send a letter of representation\ b) Enter the client's information into CasePeer and call each car insurance company\ c) Get a claim number\ d) Talk to the adjuster - **Correct Answer: b) Enter the client's information into CasePeer and call each car insurance company** - **Explanation:** The first step is to enter the client\'s information into CasePeer and then call both the client's and the defendant's insurance companies to inform them about the accident and begin the claims process. 2. **Why do we open a claim with the other driver's car insurance company?**\ a) To pay for the client's rental car\ b) To pursue compensation for medical expenses and car repairs\ c) To confirm the accident happened\ d) To avoid liability - **Correct Answer: b) To pursue compensation for medical expenses and car repairs** - **Explanation:** We open a claim with the defendant\'s insurance to seek compensation for bodily injury and property damage since the accident was their fault. 3. **What does the claim number represent?**\ a) The number of claims filed in a day\ b) A unique reference number for the insurance company\ c) The cost of the damages\ d) The number of adjusters assigned to the claim - **Correct Answer: b) A unique reference number for the insurance company** - **Explanation:** The claim number is used by the insurance company to identify and quickly access information related to the accident. 4. **What document signed by the client allows us to represent them?**\ a) Letter of Representation\ b) Designation of Legal Representation\ c) Claim Number\ d) Legal Authorization Letter - **Correct Answer: b) Designation of Legal Representation** - **Explanation:** The Designation of Legal Representation is the document signed by the client that gives the law firm permission to represent them. 5. **Why do we open a claim with our client's insurance company even if the accident was not their fault?**\ a) To file a police report\ b) To use MedPay or UM/UIM coverage if needed\ c) To increase the claim value\ d) To reduce liability - **Correct Answer: b) To use MedPay or UM/UIM coverage if needed** - **Explanation:** We open a claim with our client's insurance to potentially use MedPay for immediate medical bills and UM/UIM if the defendant\'s insurance is insufficient. 6. **What is the purpose of sending a letter of representation?**\ a) To confirm the client's vehicle damage\ b) To confirm in writing that we represent the client\ c) To dispute the insurance company's offer\ d) To open the insurance claim - **Correct Answer: b) To confirm in writing that we represent the client** - **Explanation:** The letter of representation is used to notify the insurance company that we represent the client and are authorized to handle their claim. 7. **Who is responsible for handling the claims at the insurance company?**\ a) The lawyer\ b) The adjuster\ c) The client\ d) The judge - **Correct Answer: b) The adjuster** - **Explanation:** The adjuster is the person assigned by the insurance company to investigate, evaluate, and negotiate the claim. 8. **What information is obtained after calling the insurance company to open a claim?**\ a) Medical records\ b) Repair estimates\ c) Claim number and adjuster contact info\ d) Police report - **Correct Answer: c) Claim number and adjuster contact info** - **Explanation:** After calling the insurance company, we obtain the claim number and the contact information for the assigned adjuster. 9. **Which type of claim is opened for vehicle damage?**\ a) Bodily Injury (BI) claim\ b) Comprehensive claim\ c) Property Damage (PD) claim\ d) Collision claim - **Correct Answer: c) Property Damage (PD) claim** - **Explanation:** A Property Damage (PD) claim is opened to cover the cost of repairs or replacement of the client\'s vehicle. 10. **What is MedPay used for?**\ a) Paying for lost wages\ b) Paying for immediate medical bills\ c) Paying for vehicle repair\ d) Paying for legal fees - **Correct Answer: b) Paying for immediate medical bills** - **Explanation:** MedPay coverage is used to pay for medical bills right away if the client needs immediate care. 11. **How is the claim number used in communication with the insurance company?**\ a) To confirm the amount of damages\ b) To negotiate the settlement\ c) To help identify the accident claim\ d) To provide payment instructions - **Correct Answer: c) To help identify the accident claim** - **Explanation:** The claim number is used as a reference to quickly identify the specific accident when communicating with the insurance company. 12. **Why do we need to send the Designation of Legal Representation to the insurance company?**\ a) To confirm that the adjuster was assigned\ b) To show proof that the client authorizes us to represent them\ c) To request more money for the claim\ d) To get the client\'s vehicle repaired - **Correct Answer: b) To show proof that the client authorizes us to represent them** - **Explanation:** The Designation of Legal Representation, signed by the client, confirms that we are authorized to represent them in the claim. 13. **What are the two types of claims we open after an accident?**\ a) Bodily Injury and Liability\ b) Property Damage and Medical Costs\ c) Bodily Injury (BI) and Property Damage (PD)\ d) Liability and Uninsured Motorist - **Correct Answer: c) Bodily Injury (BI) and Property Damage (PD)** - **Explanation:** We open Bodily Injury (BI) and Property Damage (PD) claims to cover the client's injuries and vehicle damage, respectively. 14. **Who assigns an adjuster to handle the insurance claim?**\ a) The lawyer\ b) The client\ c) The insurance company\ d) The court - **Correct Answer: c) The insurance company** - **Explanation:** The insurance company assigns an adjuster to handle the claim, communicate with us, and determine how much they will pay. 15. **What is the main purpose of communicating with the adjuster?**\ a) To hire the adjuster\ b) To determine who is at fault\ c) To negotiate a settlement for the damages\ d) To pay the insurance premium - **Correct Answer: c) To negotiate a settlement for the damages** - **Explanation:** The main purpose of communicating with the adjuster is to negotiate a settlement for both the property damage and bodily injury claims, ensuring our client receives compensation.