Add an exposure

An exposure is the combination of a claimant, risk, and coverage. You can add exposures to claims when the claim status is New, Open, or Reopen.

Exposure filters

Exposures are associated with claimants or involved parties and are filtered based on associated risk and associated role. When you add an exposure, the coverages eligible for the claimant or involved party depend on the following determinations:

  • The claimant’s or involved party’s relationship to an involved vehicle or damaged property. If the involved party isn’t associated with an involved vehicle or damaged property, the party must have the role Pedestrian.
  • If the party is associated with an involved vehicle or damaged property, what is the claimant’s or involved party’s relationship type to an involved vehicle or damaged property: Owner, Driver, Passenger.

Owner

There are two types of owners: a first-party owner and a third-party owner.

If the involved party is a first-party owner and only an owner, then when you select coverages to associate with the exposure, no injury-related coverages will display. If the involved party is a first-party owner and a pedestrian, driver, or passenger, then injury-related coverages will be available to select.

Note: Coverages selected for the same claimant or risk can’t be selected again.

If the involved party is a third-party owner, the section Select Damaged Properties will appear beneath the Select a Claimant or Involved Party section. Owners of third-party damaged property can own more than one property; more than one property can be associated with the exposure.

Pedestrian, Driver, Passenger

If the involved party is a pedestrian, driver, or passenger and not an owner, then only injury-related coverages will display. If the involved party is an owner in addition to a pedestrian, driver, or passenger, then property-related coverages will also display.

Complete the Add Exposure dialog box

To add an exposure, access the claim you want to add an exposure to, then:

  1. Select the Exposures tab to open the Exposures screen.
  2. Select the + Add Exposure button. The Add Exposure dialog box will open.
  3. From the Select a Claimant or Involved Party dropdown list, select the name of the party that the exposure is associated with.
  4. If you select a party that is a third-party owner of an involved vehicle or damaged property, the Select Damaged Properties dropdown will appear. Open the list and select one or more properties associated with the exposure.
    Figure 1: The Add Exposure dialog box with a party selected and the coverage options displayed.
  5. In the Select Coverages section, you can:
    1. Select one or more existing coverages by selecting the associated checkbox.

      Note: Select the folder icon next to the policy to view the list of coverages included in the specific policy.

    2. Select + Add Manual Coverage to add a coverage manually. The Manual Coverage dialog box will open.
      1. From the Manual Coverage dropdown list, select the coverage type. The list includes any coverages set up in the system administration. For example, PIP coverages can appear for states that require it. The Per Occurrence Limit Amount, Per Person Limit Amount, Policy Aggregate Limit Amount, and Deductible Amount boxes will appear and prepopulate.
      2. In the Reason for Manual Coverage box, type the reason for manual coverage.
      3. Select Add Manual Coverage button.
  6. Select Add Exposure.

    Note: When you add a manual coverage, an icon will appear next to the coverage on the Exposures screen. When you hover over the icon, a tooltip will indicate that the coverage is a Manual Coverage.

Usage considerations

Manual coverages aren’t set up out of the box and should be configured during implementation. Manual coverages allow users to set reserves and make payments despite the occurrence of one of the following situations:

  • The insured has an out of state loss for personal auto.
  • The insured’s vehicle or coverage isn’t on the policy due to an out of sequence endorsement.