QR Challenge: Lapeer Fair Trades Review

Created using the ClassTools QR Treasure Hunt Generator

Teacher Notes

A. Prior to the lesson:

1. Arrange students into groups. Each group needs at least ONE person who has a mobile device.

2. If their phone camera doesn't automatically detect and decode QR codes, ask students to

• Download a QR reader (e.g. I-Nigma | NeoReader | Kaywa) onto their mobile devices
• Bring these devices into the lesson.

3. Print out the QR codes.

4. Cut them out and place them around your class / school.

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B. The lesson:

1. Give each group a clipboard and a piece of paper so they can write down the decoded questions and their answers to them.

2. Explain to the students that the codes are hidden around the school. Each team will get ONE point for each question they correctly decode and copy down onto their sheet, and a further TWO points if they can then provide the correct answer and write this down underneath the question.

3. Away they go! The winner is the first team to return with the most correct answers in the time available. This could be within a lesson, or during a lunchbreak, or even over several days!

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C. TIPS / OTHER IDEAS

4. A detailed case study in how to set up a successful QR Scavenger Hunt using this tool can be found here.

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Questions / Answers (teacher reference)

Question	Answer
1. 1. Do we need consent from anyone to abandon salvage to a towing or storage facility instead of paying the storage fees? If so, from whom? CLUE - Ask me what the answer should be.	Yes, the facility and the claimant/insured 500.1619
2. 2. Which two sections of the statute state losses should be paid within 30 days after receipt of proof of the amount of loss? CLUE - If you're feeling snacky, you can purchase a treat here.	500.2833 & 500.2836
3. 3. In section 500.2026, how many of the unfair insurance practices relate to failing to act promptly? Which letters are they? CLUE - Time for some soaps!	6 500.1619 (or 5): b, c (possibly), e, l, m, n
4. 4. The Auto Insurance Fire Loss Program requires we do not pay a claim of $___________ or more for loss or damage caused by __________ or _________ until the insured files a report and provides us a copy. This requirement does not apply to ___________ fires or explosions. CLUE - Complete all before the end of the year to earn Mancinos!	$2,000, fire, explosion, accidental 500.3010
5. 5. If an insured and insurer fail to reach an agreement on the amount of a loss, either party may make a ____________ demand for the values to be determined by appraisal. What two qualities must appraisers and umpires have to fulfil the requirements set forth in the statute? CLUE - Winner, winner, esignature dinner.	written, competent, independent 500.2833
6. 6. Regarding Automobile policies: We shall not unreasonably restrict an insured from using a particular ________, _________, ________, or ___________ for providing any repair or replacement service or product covered by the policy. CLUE - Ring my bell...	person, place, shop, entity 500.2110b
7. 7. In section 500.227, a municipality must immediately forward the withheld amount to the insured once they receive reasonable proof of one of these three things. Name all three. CLUE - Let's take a trip to Renterprise Drive!	The damage has been repaired or replaced, The structure has been removed, The insured has signed a contract for repairs and agrees to have the contractor paid directly.
8. 8. What must an insured do before suing under the policy, and how long do they have? CLUE - Scan the area for clues.	Comply with all the policy requirements, 1 year after the DOL, or time period specified in the policy (whichever is longer). 500.2833
9. 9. Under 500.2227 regarding residential property claims, which 8 perils qualify for fire withholding within participating municipalities? CLUE - Fire!	fire, explosion, vandalism, malicious mischief, wind, hail, riot, civil commotion
10. 10. If an insured keeps the salvage on a total loss vehicle, how must we notify them of their responsibility to pay storage fees after settlement? CLUE - Oh Dan, Where Art Thou?	In writing 500.1619
11. 11. Under section 500.2227, if reasonable proof of intended repairs or demolition has not been received by a municipality, within how many days after the withholding is received will they use the funds to secure the property? CLUE - Time for a nap!	120
12. 12. Regarding Commercial Liability claims: Prior to a trial, we must notify our insured of our settlement with a 3rd party at least how many days before we settle? CLUE - Let's plan our next trip.	10 500.2204
13. 13. If claims are not paid within this many days, this percentage of penalty interest starts to accrue. Does this apply to 3rd party claimants as well? CLUE - Mission Possible	60 days, 12% interest, Yes 500.2006
14. 14. Under 500.2227, Fire Insurance Withholding applies to final settlements that exceed what percent of the insurance on the real property? Up to what percentage of the ACV of the real property, or final settlement, shall be withheld? What is the maximum escrow amount to be withheld effective 10/1/17? CLUE - Bello! Poopaye!	49%, 25%, $12,262
15. 15. How many municipalities in our territory participate in the Auto Insurance Fire Loss Program? Name them. CLUE - "Only Snacks and Smiles in Lapeer"	1, Atlas Township (Goodrich, MI)
16. 16. In 500.2227, the insurer shall forward the withheld amount to the __________ of the city, village, or township and shall provide notice of the forwarding to the _________ and any _____________. CLUE - Don't forget to sign out!	Treasurer, insured, mortgagees
17. 17. Two sections of the statute state a policy may provide there is no liability for an insurer to pay replacement cost unless the damaged property is _____________, ________________, or ______________, at the same or another site. Which sections are they? CLUE - Hop aboard the pineapple express!	repaired, rebuilt, replaced 500.2826 & 500.2827
18. 18. The withholding requirements of section 500.2845 & 500.2227 do not apply if these three things occur. CLUE - Return to where this game began.	Evidence of a contract to repair within 15 days, Insured consents to have the contractor paid directly, Insurance Co notifies the municipality that there will not be a withholding because a contract was received.
19. 19. No need to answer a question this time. CLUE - Ask me what the answer should be	No answer

 

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