2022-12-05 Referral Committee Meeting Minutes

Public Page

Date

Dec 5, 2022

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

Great Kickoff Meeting Everyone

Up Next

• Antitrust

• Meeting minute Review

• Welcome/Networking

• Review Project Plan

• Review topics emailed from the committee

• Review cieca.com message workflows

Action items

Decisions

1. Add Privacy flag that was added to CAPIS to the BMS

Reference Material:

Participants

• @Paulette Reed

• Kim DeVallance Caron

• James Palmer

• Don Porter

• Jason Kurutz

• David McCreight

• John Eck

• Paul Barry

• Chris Poulos

Participants in the meetings are noted for your information.  If you have questions on the committee’s activities, please contact a recent attendee. Referral Committee Home