Table of Contents

The Auto Claims Guide covers practically every aspect of how insurance companies work. The Guide also provides detailed tips on how to deal with insurance companies after an accident, as well as resources such as checklists and legal templates.

To get a better idea of all the information contained in the e-book, here is the table of contents for the Auto Claims Guide.

Chapter 1: How Insurance Companies Make Money

Chapter 2: What to Do Right After An Accident

  • Important Information to Obtain/Consider After an Accident

Chapter 3: Prove Your Case

  • The Witness
  • Accident Crash Evidence
  • Scene Diagram
  • Photographs
  • Both Parties Liable
  • Common Sense Factor

Chapter 4: Types of Damages You Can Claim

  • Property Damages
  • A Quick Note on Subrogation
  • Personal Injury Damages
  • Statute of Limitations

Chapter 5: Property Damage

  • 1st Party vs. 3rd Party Claims
  • Aftermarket Parts
  • Used Parts
  • Useful Terms
  • Diminished Value
  • Total Loss Settlement

Chapter 6: Bodily Injury Investigations & Settlements

  • The First Step
  • Your Initial Offer
  • Follow-Up Negotiations
  • Monitor Your Progress
  • First Call Settlements

Chapter 7: Alternative Settlement Resolutions

  • The Adjuster’s Manager
  • Department of Insurance (DOI) Complaint
  • Arbitration
    • 3rd Party Physical Damage Claim
    • 1st Party Claim
  • Filing a Lawsuit
    • Small Claims Process

Chapter 8: The Auto Insurance Adjuster

  • What They Do
  • The Insurance Adjuster’s Attitude
  • Claim Work Load – The Adjuster’s Biggest Burden
  • Everything You Say is Being Documented
  • Recorded Statement Advice

Chapter 9: Insurance Investigation Tools

  • WrExpert® and Low Impact Settlements
  • Auto Claims Toolkit
  • Evaluating Your Injury Using Colossus®

Chapter 10: Special Investigations Unit (SIU)

  • SIU Investigations – Fire and Theft Claims
  • Getting Rid of Your Vehicle in Mexico
  • Why Your Credit and Finances Matter
  • Chiropractic Signature Logs

Chapter 11: A Look Into Best Practices

  • Assignment
  • Coverage
    • Coverage Verification/Analysis
    • Reservation of Rights
    • Coverage Denials
    • Misrepresentation
    • Excess Letters
    • Excess of Policy Limit Demand Letters
  • Damage Assessment
    • Documentation of Damages
    • Evaluation
    • Negotiation
    • Settlement
  • Fraud Awareness & SIU Referral Guidelines

Chapter 12: Bad Faith Claims Handling

  • What is Bad Faith?
    • Bad Faith Defined
    • Examples of “Bad Faith”
  • What Are My Rights?

Chapter 13: Your Auto Policy Broken Down

  • Liability Policy Language
    • Definitions Used Throughout This Policy
    • Exclusions
  • Physical Damage Policy
    • Exclusions
  • Conditions

Chapter 14: No-Fault Auto Insurance

  • What is No-Fault Insurance
  • Pure No-Fault vs. Modified No-Fault
  • Benefits of a No-Fault System
  • Drawbacks of a No-Fault System
  • What is “Choice No-Fault”?

Chapter15: Auto Insurance Coverage Explained

  • Types of Coverage
    • Bodily Injury Liability
    • Property Damage Liability
    • Collision Coverage
    • Other than Collision Comprehensive
  • What is a Deductible?
  • Collision Damage Waiver
  • Rental Reimbursement
  • Towing/Labor
  • Custom Equipment Coverage
  • GAP Coverage
  • Uninsured Motorist Property Damage
  • Uninsured Motorist Bodily Injury
  • Under-Insured Motorist Protection
  • Medical Payments Coverage
  • Personal Injury Protection

Appendix A—Denial Letters and RORs

  • Business Use Reservation of Rights Letter
  • Non-Cooperation Reservation of Rights Letter
  • Unlisted Driver Reservation of Rights Letter
  • Business Use Denial Letter 1
  • Business Use Denial Letter 2
  • Denial Correspondence to an Attorney
  • Excluded Driver Denial Letter
  • Unlisted Vehicle Denial Letter
  • Low Impact Denial Letter to Attorney

Appendix B—Sample Policies

  • Liability Policy
  • Physical Damage Policy

Appendix C—Lists, Checklists, and Links

  • Accident Checklist
  • Bodily Injury Related Expenses – Quick Checklist
  • Diminution of Value Worksheet
  • DMV Website Links
  • Employment Verification and Loss of Earnings Statement
  • Fraud Indicators Checklist
  • Links to Your State’s Department of Insurance
  • Minimum Auto Insurance Limits for the U.S.
  • Property Damage Expenses – Quick Checklist
  • Small Claims Court Limits
  • Statute of Limitations
  • Important Information in Case of an Accident

Appendix D—Templates

  • Affidavit of Vehicle Theft
  • Recorded Statement Summary
  • Theft/Fire Recorded Statement
  • Witness Report of Accident

For more answers to your auto insurance questions, order your copy of the 220 page Auto Claims Guide for only $10 USD.

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