Rita and Roger Stanton have been married for fifteen years. They have two children, Ronald, 12, and Rhonda, 8. They have a four-year-old Labrador mix dog named Ruff. The Stantons live in a four bedroom house on fifteen acres about twenty-five miles from the city. They have an attached two-car garage, two vehicles, a medium sized storage shed, a fenced in-ground swimming pool, and an all-terrain vehicle. They have a portion of their yard fenced off for Ruff. Rita is an administrative assistant for a large law office in the city. She drives twenty-two miles to and from work each day. She attends law school three nights a week and hopes to become an attorney and practice contract law. Roger is the principal at the local high school. He drives about four miles to and from work each day. He is also a full partner in a seasonal white water rafting business (Rowdy Rafters) with his brother Eddie. They are the only two full-time employees. Rowdy Rafters employs one part-time bookkeeper, Edna. Throughout the summer, Roger and Eddie take turns guiding rafting trips down a nearby river. Roger is the principle operator of a 1998 Honda Civic and Rita is the principle operator of a 2005 Ford Windstar. Roger is the principal at the local high school. He drives about four miles to and from work each day. His vehicle is rated as pleasure use. Rita is an administrative assistant for a large law office in the city. She drives twenty-two miles to and from work each day. She attends law school three nights a week and hopes to become an attorney and practice contract law. The Stanton’s are insured under a personal automobile policy, as shown: 1998 Honda Civic $250,000 Bodily Injury Per Person $500,000 Bodily Injury Per Accident $50,000 Property Damage $1,000 Collision deductible $1,000 Comprehensive deductible Full glass coverage (book value of the Civic is $3,500) 2005 Ford Windstar $250,000 Bodily Injury Per Person $500,000 Bodily Injury Per Accident $50,000 Property Damage $1,000 Collision deductible $1,000 Comprehensive deductible Full glass coverage (book value of the Windstar is $12,500)
Case Scenario - Claims One day Rita takes the Honda Civic to work because the Windstar is in the shop for an oil change. On her way home from work she is involved in an accident with another driver who ran a red light. Rita sustained slight injuries. She was released from the hospital the same day with only a few bumps and bruises. However, the damage to her Civic was severe and it is not drivable.
2) You are a claims adjuster and this new claim just reached your desk. Using specifics from the case, list and discuss the seven (7) steps/activities you will be involved in during the claim handling process. When you list and describe each step, be sure to give a specific example of how this applies to this particular case.