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Creating a Reserve (End User)

A claims adjuster uses the Loss Details - Auto and Loss Details - Property views to make sure that the customer has the right policy and coverage for a claim and to create a reserve for each coverage.

It is essential to capture policy information at the time that the claim is opened, because policy information might change over time. To do so, the end user must select the right policy for the customer in the Policy field in the Claims form header applet. In the case of the Loss Details - Auto view, the Driver, Vehicle and Coverages applets are then populated with the policy details.

NOTE:  There is also a Get Policy button in the form applet that is disabled by default. The customer can enable this button by writing an appropriate business service to get the policy information from their policy system to populate the policy information in the claim.

Table 8 shows the information displayed in the Coverages applet.

For each coverage, the Coverage Applies flag indicates whether a reserve must be created for the coverage. For example if the claim is for a car collision accident, the Collision coverage is flagged so that a reserve is created for that coverage. Coverages are flagged as applicable according to the default coverages for the loss code. For more information about loss codes, see Administering Loss Codes.

The adjuster clicks the Create Reserve button to create a reserve for all the coverages that have the Coverage Applies flag set. If you want to create a reserve from a coverage that does not have the Coverage Applies flag set, you can set the flag for that coverage and add the appropriate reserve code. Reserves are created according to the reserve code and reserve type that are associated with the coverage. For more information about reserve codes, see Administering Reserve Codes.

After a reserve is created, it can be viewed in the Claims, Financials, and then the Reserves view, see Managing Reserves (End User).

This task is a step in Process of Managing Claims.

To create a reserve for an auto policy claim

1. Navigate to the Claims screen.
2. In the Claims list, drill down on a claim.
3. Click the Loss Details, then the Loss Details - Auto view tab.
4. Select the required policy in the Policy field in the Claim form header applet.

   The policy information including details for Vehicles, Driver, and Coverages are copied into the view.

5. In the Coverages list, click the Create Reserve button.