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Agenda
Welcome
Antitrust Review
Meeting Minute Review
Doodle Poll
Review BMS and Workflows
Meeting Minutes
Antitrust Accepted
Meeting Minutes Reviewed/Accepted
Doodle Poll
The Doodle Poll did not produce productive results, we didn’t have enough people respond to the same times, and when we limited times, the same people responded.
Reviewed CIECA Workflows
FNOL
FNOL changes is the first step it may not be the owner or carrier reporting the loss, it could be the car or third party
Before the insurance company is alerted of an accident, the telematics of a vehicle could notify a rental is needed or a tow if the car knows its undriveable.
Before the Claim is initiated the tow could be done or the rental already started.
The Insurers still have to say yes, I approve the claim but there are a lot of things that happen before the assignement.
Assignment
Review the BMS
What Information do we want on the referral?
Vehicle Information
VIN
Year/Make/Model
Plate
Mileage
Color
Point of Impact
Type of Vehicle (EV) - Need to determine how to best identify EV
Aluminum repairs required
Facts of Loss
What Happened
Loss vehicle rear ended
UPD (Unrelated Prior Damage)
Insurance or Fleet Assignment
Claim Information
Deductible amounts and limits
Percentage payment
Who pays
Insurance Company
Out of Pocket repair
Referral Vs Assignment
Assignment would be different than the referral. The assignment is accepting that payment, whoever sends the assignment is aggreging to make payment.
Referral is being made with no payment agreement and/or liability may be pending.
If the vehicle telematics is making the referral, we know the OEM is not agreeing to pay for the service.
When does a Referral become an assignment?
We need to map out the process, knowing that we are going to have a lot of different roles making referrals, then look at who can authorize payment and turn them into assignments.
There are things we want to make the parties aware of. We don’t want to slow down the process. We want the customer to be able to get the vehicle to the shop and get into a rental. The process is we don’t know who is paying for this yet, but we need to take care of the customer.
Does Customer have insurance?
Is there a DRP relationship?
Does OEM require certification of Shop?
We need to make sure the shop is qualified to work on the vehicle needing repair.
Estimate Only
In most cases, an assignment to a shop would mean repairs, is there an Estimate Only option, where a customer may be bringing in the vehicle just to get an estimate?
Referrals today and in the future
Today a third party may be notified that a vehicle has been in a collision, and they may assist you in calling police and/or ambulance, may help call you a tow provider if you agree you need one. At the time the Third Party calls the tow to assist you, there is no agreement to who is paying for the tow. That is up to the tow truck driver to get the information needed when they show up.
In the future with telematics, it may be possible for a vehicle to identify that they are not drivable and even if they are a total loss. This would mean the vehicle itself could send information to a tow company.
Most OEM events now are higher speed, airbag deployed or rollover event.
There is always a stopgap where the customer will have to give permission or approval.
The vehicle telematics may be able to capture data about the vehicle and present to the customer, but the data cannot be sent anywhere without the customer agreeing to it. If you want it sent to your insurance company or to the Body Shop or even if you want a tow or rental, the customer has to agree to the data being shared.
Do we have a Privacy field for reflect customer approved data to be shared?
You need it up front with your terms and conditions to state what data is being captured and who could look at the data.
You need it at time of event
A customer that is not at fault may be more willing to share information than a customer that is at fault
Research how an EV is identified, do we need a flag, or do we use code list?
Is Aluminum repairs in the BMS
Is unrelated Prior damage in the BMS, it is under File Attachment where prior damage can be added.
Privacy Field/Flag stating that customer has agreed for data to be shared?
Everyone send Use Cases and current referral diagrams to Paulette and she will start working on combining the flows and use cases to present at the next meeting.
Decisions
Add Privacy flag that was added to CAPIS to the BMS
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