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Uninsured/Underinsured Motorist Coverage Training Manual Table of Contents |
| Module One: UM/UIM Coverage Basics |
| Objectives |
| UM/UIM Relationships |
| Definition of Unsinsured/Underinsured Motorist |
| Uninsured Motor Vehicle |
| Underinsured Motor Vehicle |
| Combination or Blended v Separate Coverage |
| Property Damage Coverage |
| Is UM/UIM Mandatory? |
| Rejection of UM/UIM Coverage |
| Coverage Limits |
| Stacking of Limits |
| Single v Split Limits |
| Improper/Failure to Complete Appropriate Forms |
| Workshop 1.1 - UM/UIM Coverage Basics |
| Workshop 1.2 - Case Problems |
| Module Two: Eligibility, Proof Required and Priority of Benefits |
| Objective |
| Eligible Claimants |
| Related |
| Residency |
| Other Eligible Claimants |
| Proof of Lack of Insurance |
| Vehicles with No Insurance |
| Vehicles Insured by Now Insolvent Insurers |
| Vehicles Insured by Insurers Now Disclaiming Coverage |
| Accidents Where the Tortfeasor is Unknown |
| Proof of Underinsurance |
| The Exhaustion Clause |
| The Consent to Settle Clause |
| Legally Entitled to Recover |
| Impact of Workers Compensation |
| Proof of Damages |
| Priority of Benefits |
| Workshop 2.1 - Eligibility and Proof Required |
| Workshop 2.2 - Case Problems |
| Module Three: Policy Defenses and Exclusions |
| Objective |
| Policy Defenses and Exclusions |
| Double Recovery |
| Consent to Settle |
| The Exhaustion Clause |
| Subrogation Assistance Clause |
| Other Insurance Clause |
| Statutes of Limitations |
| Permissive User Defense |
| Regularly Used Non-Owned Cars |
| Invalid Defenses |
| Workshop 3.1 - Double Recovery |
| Workshop 3.2 - Case Problems |
| Module Four: Dispute Resolution and Bad Faith |
| Objective |
| Arbitration |
| Statutory Arbitration |
| Contractual Arbitration |
| Waivers of Arbitration |
| Issues Subjecxt to UM/UIM Arbitration |
| Pros and Cons of Arbitration |
| Arbitration Awards and Post Award Procedures |
| Extra Contractual Claims and Bad Faith |
| Workshop 4.1 - Case Problems |
| Workshop 4.2 - UM/UIM Case Study |
| Workshop 4.3 - Putting It All Together |