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  1. Functions of a District Claim Office
  2.  
  3. {*HIDE !}
  4. DCO Functions:
  5.     (Claim Reporting)
  6.     Receive claim from insured.
  7.     Verify coverage.
  8.     Take all relevant info.
  9.     Determine liability.
  10.     Pay or Deny?
  11.         (Yes) Set reserves.
  12.         (No) Close file.
  13.     ?end
  14.     (Claim Payment)
  15.     Property or medical:
  16.         (Property)
  17.         Get property appraisal.
  18.         Authorize payment to provider.
  19.         Pay provider.
  20.         (Medical)
  21.         Obtain original bills.
  22.         Review medical coverage.
  23.         Authorize payment to provider.
  24.         Pay provider.
  25.     :end
  26.     (Salvage Process)
  27.     Pay off to bank or insured.
  28.     Obtain salvage title.
  29.     Transfer for sale thru salvage pool.
  30.     Receive payment - check to ACIC.
  31.     Mail to Home Office.
  32.     (Subrogation Process)
  33.     Determine that AF is uninsured.
  34.     Repair under collision coverage.
  35.     Make payment to provider.
  36.     Notify AF of loss.
  37.     Hold for 3 weeks.
  38.     Send 2nd letter.
  39.     Send for collection.
  40. :end
  41.