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- Functions of a District Claim Office
-
- {*HIDE !}
- DCO Functions:
- (Claim Reporting)
- Receive claim from insured.
- Verify coverage.
- Take all relevant info.
- Determine liability.
- Pay or Deny?
- (Yes) Set reserves.
- (No) Close file.
- ?end
- (Claim Payment)
- Property or medical:
- (Property)
- Get property appraisal.
- Authorize payment to provider.
- Pay provider.
- (Medical)
- Obtain original bills.
- Review medical coverage.
- Authorize payment to provider.
- Pay provider.
- :end
- (Salvage Process)
- Pay off to bank or insured.
- Obtain salvage title.
- Transfer for sale thru salvage pool.
- Receive payment - check to ACIC.
- Mail to Home Office.
- (Subrogation Process)
- Determine that AF is uninsured.
- Repair under collision coverage.
- Make payment to provider.
- Notify AF of loss.
- Hold for 3 weeks.
- Send 2nd letter.
- Send for collection.
- :end
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