Determine damage is consistent with cause of loss other than hit and run

When an estimator confirms damage is inconsistent with a hit and run, the handling claims representative reviews the estimate with the estimator, questions the customer and determines applicable coverage.

Procedure

1. Review the estimate and images with the estimator.
2. Contact the customer.
   1. Explain why the damage is not consistent with a vehicle-to-vehicle collision.
   2. Ask the customer if
      • anybody else has access to the vehicle, and
      • they had been operating the vehicle when the damage occurred.

      If the ...	Then ...
      customer maintains it is a hit and run claim	send Statutory Declaration (CL45) to the customer for completion note the claim file, and await the return of the notarized CL45.
      customer accepts our assessment of cause of loss other than hit and run	proceed to step 2.

3. Determine applicable coverage.

   If the coverage is ...	Then ...
   Comprehensive	change the cause of loss update reserves confirm applicable deductible remove hold, and advise the estimator of the applicable cause of loss and to remove hold in WorkCenter.
   Collision	advise the customer this may have potential premium impacts change the cause of loss update reserves confirm applicable deductible remove hold, and advise the estimator of the applicable cause of loss and to approve estimate in WorkCenter. Note: The customer may elect not to pursue the claim because of the potential impacts to their premium.