Law of Automobile Claims and Coverage Program
LAW OF AUTOMOBILE CLAIMS AND COVERAGE PROGRAM examines in detail the basis for liability and coverage in auto claims. Knowledge of these important topics is essential to any claims professional involved in auto claims, whether he or she deals with personal or commercial auto policies. The Program addresses the interaction between the principles of law and the principles of coverage under the most common personal and business auto policies. The student will learn how legal liability and coverage disputes have been and are likely to be resolved in the courts.
NOTE: For Program completion all required courses and four electives must be taken.
610 Automobile Insurance Principles
(Required) (Course Textbook Consists of 124 Pages)
This course will enable the student to learn fundamental principles of automobile insurance, understand the importance of laws and statutes that may impact the interpretation of the policy, and begin to analyze legal issues that affect auto coverage. The student will become familiar with the different parts of the auto policy including those parts of the policy that address the handling of claims.
2. The Automobile Policies
3. Handling Auto Claims
211 Comparative Negligence, Contribution and Settlement
(Required) (Course Textbook Consists of 144 Pages)
This course will enable the student to analyze the various forms of comparative negligence and to apply comparative negligence principles on a state by state basis; understand the three theories of comparative negligence and their application to a dollar and cents evaluation of claims; and give consideration to the relationship of comparative negligence to products liability, subrogation, and other areas.
1. Contributory and Comparative Negligence
2. Applying Comparative Negligence
3. Multiple Tortfeasors
4. Contribution, Indemnification, Judgment, and Settlements
NOTE: Credit will be given for this course if completed in the Liability Program.
611 Law of Automobiles
(Required) (Course Textbook Consists of 170 Pages)
This course will enable the student to apply common law and statutory law to determine automobile liability, including the rules of the road and how they apply to particular parties. The student will gain an understanding of how to approach the investigation and negotiation of auto claims.
1. General Rules and Applicable Laws
2. Rules of the Road
3. Particular Parties, Special Situations
612 Law of Automobile Insurance: No-Fault and Med Pay
(Elective) (Course Textbook Consists of 151 Pages)
This course will enable the student to understand medical payments and no-fault coverages. The materials explain the insuring agreements, definitions, conditions, and exclusions for these coverages, including applicable statutes and case law. The materials also include a discussion of tort thresholds as an integral part of the no-fault concept.
1. Medical Payments
2. No-Fault Automobile Insurance
613 Law of Automobile Liability Insurance
(Elective) (Course Textbook Consists of 168 Pages)
This course will enable the student to understand auto liability coverage and court interpretation of pertinent policy language. Heavily litigated issues such as the entitlement and household exclusions, "use" of an auto, and limits of liability are treated in detail. Completion of this course will enable the claims professional to deal with the issues critical to handling auto liability claims.
1. Definition Section
2. Insuring Agreement
4. Miscellaneous Liability Provisions
614 Law of Automobile Insurance: UM and UIM
(Elective) (Course Textbook Consists of 174 Pages)
This course will enable the student to examine auto uninsured and underinsured motorist coverage, including court interpretation of the policy language and pertinent statutes. The materials explain how it is determined whether an insured is entitled to uninsured or underinsured motorist coverage, as well as explaining reduction clauses, the issues that exist when coverage is provided under multiple policies, and dispute resolution.
2. Uninsured and Underinsured Motor Vehicle
3. Conditions and Exclusions
4. Limits of Liability and Other Insurance
5. Arbitration and Subrogation
615 Law of Automobile Insurance: First Party Property Damage
(Elective) (Course Textbook Consists of 134 Pages)
This course will enable the student to understand collision and other than collision (comprehensive) coverage. The materials explain the pertinent insuring agreements, definitions, exclusions and conditions for these coverages, including applicable case law.
1. The Insurance Contract
2. General Provisions
4. Loss Adjustment
616 Law of Automobile Insurance: Business Auto Coverage
(Elective) (Course Textbook Consists of 207 Pages)
This course will enable the student to understand the liability and physical damage coverages contained in the Business Auto Policy, additional coverages available by endorsement, and court's interpretations of pertinent policy provisions. The materials include discussion of important issues such as the various categories of covered autos, the insuring agreements, coverage exclusions, and conditions.
1. Covered Autos
2. Liability Coverage
3. Liability Exclusions
4. Physical Damage Coverage
6. Business Auto Endorsements
NOTE: For purposes of earning the new ACLS or ACLA designations, a student who has previously completed any of the following courses will be given credit for the corresponding course in the new Automobile Program. We will send you the new text books with your enrollment in the Automobile Program, so that you will have a complete set of Automobile books for future reference. You will not be required to submit an exam for any of these courses.
Previously Completed -- Credit Received Course 211 -- Course 211 Course 214 -- Course 611 Course 215 -- Course 612 Course 216 -- Course 614