Step 4 – Vehicles

For personal auto, the next step in completing the FNOL is to complete the Vehicles screen. On the Vehicles screen, you can add the vehicle(s) involved in the loss event, the owners of the vehicles, the passengers of the vehicles, vehicle information, and damage information.

Add involved vehicles

To add an insured listed vehicle:

  1. Select + Add Vehicle. A dropdown list will open with vehicles listed on the policy the loss is filed against.
  2. Select one of the vehicles from the list. The Add Insured Vehicle dialog box will open.
  3. Review information in the Add Insured Vehicle dialog box to ensure it’s correct. Make updates as necessary.
  4. Select Save.

Note: For personal auto, you can only add one insured vehicle to a claim. When you add another vehicle to a claim after adding an insured vehicle, the listed insured vehicle(s) in the dropdown list will be grayed out.

To add an insured unlisted vehicle:

  1. Select + Add Vehicle. A dropdown list will open with the vehicles listed on the policy the loss is filed against.
  2. If the involved vehicle is the insured’s vehicle and the vehicle isn’t listed on the policy, select Add Unlisted Insured Vehicle. The Add Unlisted Insured Vehicle dialog box will open. See the section titled Complete Add <Unlisted/Claimant> Vehicle dialog box.

To add a claimant vehicle:

  1. Select + Add Vehicle. A dropdown list will open with the vehicles listed on the policy the loss is filed against.
  2. If the involved vehicle is a third-party claimant’s vehicle, select Add Claimant Vehicle. The Add Claimant Vehicle dialog box will open. See the section titled Complete Add <Unlisted/Claimant> Vehicle dialog box.

Complete Add <Unlisted/Claimant> Vehicle dialog box

  1. From the Vehicle Type dropdown list, select the type of vehicle. This is a required field.

    Note: The system provides the ability to configure each vehicle type differently. Out of the box, all vehicle types have the same fields.

  2. In the Year, Make, and Model boxes, type the relevant information. These are required fields.
  3. In the Vin box, type the VIN of the involved vehicle.
  4. In the Color box, type the color of the vehicle.
  5. In the License Plate and License State boxes, type the license plate number and issuing state.
  6. If using the vehicle for coverage only, select Vehicle selected for coverage only. The system will automatically add the tag Coverage Only next to:
    • The 1st Party/3rd Party tag on the vehicles list on the Vehicles screen in the FNOL and the Vehicles screen on the claim file.
    • The Year/Make/Model of the vehicle on the Vehicle Details screen in the claim file.
  7. From the Ownership Type dropdown list, select the type of ownership for the vehicle. If you select Borrowed or Rented, the system will automatically apply the applicable tag, Borrowed or Rented, next to:
    • The 1st Party/3rd Party tag on the vehicles list on the Vehicles screen in the FNOL and the Vehicles screen on the claim file.
    • The Year/Make Model of the vehicle on the Vehicle Details screen in the claim file.
  8. Select Save.
  9. To add additional vehicles, repeat step 1. The vehicles you add will appear in a table on the Vehicles screen.

Remove vehicles

If a vehicle is added in error, you can delete the vehicle entry by:

  1. In the vehicles list table, navigate to the Actions column of the vehicle you want to delete and select the ellipsis.
  2. Select Delete. The system will automatically delete the entry.

Add parties to a vehicle

To add an owner to a vehicle:

  1. In the Owner column and the row associated with the desired vehicle, select + Add Owner. A dropdown list of possible owners will appear.
    1. If the vehicle is the insured’s vehicle, a dropdown list of the Insureds will open. Select the owner from the list.
    2. If the vehicle is the claimant’s vehicle, a dropdown list of Other contacts will open. Select the owner from the list.
    3. If the vehicle is the claimant’s vehicle and the owner of the vehicle doesn’t appear in the dropdown list, select Add New Party. The Add Party dialog box will open. By default, the Search for an Existing Contact view of the Add Party dialog box will display.
      1. If the party exists in the system, search for the party in the Add Party dialog box. See Search for an existing contact for more information.
      2. If the party doesn’t exist in the system and the party is an individual, select Add new contact as a party and select Individual. See Add new contact as a party – Individual.
      3. If the party doesn’t exist in the system and the party is an organization, select Add new contact as a party and select Organization. See Add new contact as a party – Organization.

To add vehicle occupants:

  1. In the table on the Vehicles screen, select the row of the desired vehicle. The vehicle tree will open and display the following sections:
    1. Vehicle Information
    2. Vehicle Occupants
    3. Damage Information
  2. In the Vehicle Occupants section, you can add the driver and passenger(s) of a vehicle.
    1. When you select + Add Driver, a dropdown list will open with the option to select parties already associated with the vehicle (the owner) or to Add New Party. Select the driver of the vehicle from the list. If the driver’s name isn’t on the list, select Add New Party. The Add Party dialog box will open. By default, the Add Party dialog box will display the Search for an Existing Contact dialog box.
      1. If the party exists in the system, search for the party in the Add Party dialog box. See Search for an existing contact for more information.
      2. If the party doesn’t exist in the system, select Add new contact as party and then add contact details. See Add new contact as a party – Individual.

        Note: The driver of a vehicle can’t be an organization, so the Add Party dialog box defaults to display the new contact fields for an individual rather than an organization.

      3. After you add a driver, you can add injury information to the driver. If the driver was injured in the loss event, you can select + Add Injury. The Add Injury dialog box will open. See Add Injury or Step 7 – Injuries for more information.
    2. When you select + Add Passenger, a dropdown list will open with the options to select a party already associated with the vehicle (the owner) or to add a new party. Select the passenger of the vehicle from the list or select Add New Party. The Add Party dialog box will open. By default, the Add Party dialog box will display the Add new contact as party view.
      1. If the party exists in the system, select Search for an Existing Contact and search for the party in the Add Party dialog box. See Search for an existing contact for more information.
      2. If the party doesn’t exist in the system, add the new party. See Add new contact as a party – Individual.

        Note: The passenger of a vehicle can’t be an organization, so the Add Party dialog box defaults to display the new contact fields for an individual rather than an organization.

      3. After you add a passenger, you can add injury information to the party. If the passenger was injured in the loss event, you can select + Add Injury. The Add Injury dialog box will open. See Add Injury or Step 7 – Injuries for more information.

Add and edit vehicle and damage information

To add or edit additional information related to the involved vehicle:

  1. In the table on the Vehicles screen, select the row of the desired vehicle. The vehicle tree will open displaying the following sections:
    • Vehicle Information
    • Vehicle Occupants
    • Damage Information
  2. Select the Edit button for the section you want to edit.
    1. When you select the Edit button in Vehicle Information, the Edit Vehicle Information dialog box opens. Select Save when you’re finished editing the fields. See Edit vehicle information.
    2. When you select the Edit button in Damage information, the Create Damage or Edit Damage dialog box will open. Select Save when you’re finished editing the fields. See Add and edit damage information.

Complete the Vehicles screen

When you’re finished adding information to the Vehicles screen, select Continue to move to the next step in the FNOL process.

Usage considerations

  • You can only add one first-party vehicle to a claim.
  • An Owner can be a Driver or a Passenger of a vehicle. The Owner can also own more than one involved vehicle.
  • The Driver can only be listed as the Driver of one involved vehicle. A Driver can’t also be listed as a Passenger.
  • The Passenger can only be listed as the Passenger of one involved vehicle. A Passenger can’t also be listed as a Driver.
  • To change the relationship of a party to an involved vehicle, you need to remove the party as the Owner/Driver/Passenger of an involved vehicle and either re-add the party with a different relationship to the same vehicle or add the party to a different involved vehicle.

    Note: Once an exposure is created on the party, you can no longer change the relationship of the party to the involved vehicle.

  • Information added in the FNOL’s Vehicles screen will populate in the claim file’s Vehicles and Vehicle Details screens. If you choose to add injury information to the driver or passenger in the FNOL’s Vehicles screen, that information will populate in the FNOL’s Injuries screen and the claim file’s Injuries and Injury Details screens.