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QR Challenge: AZ Fair Trade

Created using the ClassTools QR Treasure Hunt Generator

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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

3. Print out the QR codes.

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

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!

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.

Questions / Answers (teacher reference)

Question

Answer

1. 1. You have _______ days to pay a claim after receipt of an acceptable Proof of Loss. Now don't go having a heart attack trying to get to the next question location or you may need to use this...30
2. 2. A claim must be accepted or denied within ______ working days after receipt of properly executed Proofs of Loss. For your next question, remember that in claims, you want to get all the fax of a loss to properly investigate...15
3. 3. When you receive communication from a claimant where a response would be reasonably expected, you have _____ working days to respond. Now why don't you cool off with a refreshing bubbly beverage for your next questions...10
4. 4. If the statute or policy time limit is about to expire and a first-party claimant's rights (who is not represented or is not an attorney) will be affected, you must send notice to that claimant _____ days before the date when the timeframe will expire. For your next question, you better hurry up and sign up to take your AIC exam on October 19th since that date is starting to fill up...30
5. 5. A response must be sent to any Department of Insurance inquiry within ___ working days. Now that you've signed up for your AIC exam, let's go take it to find the next question...15
6. 6. An investigation needs to be completed with ___ working days after notification of a claim. Time to silently get rid of some confidential documents for your next question. How can you have something shredded in the claims department without making any noise?30
7. 7. Investigating a loss or claim under any policy does not constitute a ____ _ ____ by the insurer. If you're hungry for your next question, perhaps some buttery and salty exploded maize will satisfy you...Waiver of Defense
8. 8. A ____ __ ____ needs to be provided to any person claiming to have a loss under an insurance contract. Now see if you can find where Carmen put the velcro and keyboard air cans to get your next question...Proof of Loss
9. 9. All forms provided by an insurer to an insured must include the following statement: "For your protection...Any person who knowingly presents a false or _______ claim...". For your next question, see if you can tell me where the heck the town of Blue, AZ is located...Fraudulent
10. 10. An insurer must acknowledge receipt of a claim within _____ _____ days unless payment is made within that time. If you cut yourself and can't find one of our first-aid associates, you can get a band-aid in the big first-aid kit (where you'll also find your next question)...10 working
11. 11. An insurer should not refuse to pay claims without conducting a reasonable _____ based upon all available information. There is one bell in the building that may let you know of a fire...do you know where it's located to find your next question?Investigation
12. 12. A person who violates section 20-463 with the intent to defraud or deceive an insurer is guilty of a ____ ____ felony. Now you should probably go see if you can turn up the heat on your friendly, neighborhood Underwriting Manager to get your next question...Class 6
13. 13. As of 2011, (except as provided in subsection C of this section) a county, city or town may not charge a fee from the driver or their insurer for costs to provide police, fire or other emergency responder services in responding to a motor vehicle accident because of ARS ___-____.B Now go pledge your allegiance to Old Glory for your next question...28-677.B
14. 14. It is an unfair claim settlement practice to compel an insured to institute ______ to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by the insureds. Don't cry over spilled milk for this next question...unless it's because that milk expired in June of this year and smells like death!Litigation
15. 15. No insurer shall fail to fully disclose to first-party claimants all pertinent ______, _______ or _______ _______ of an insurance policy or insurance contract under which a claim is presented. Don't forget to press 2&4 at the same time and then 3 to be able to leave after getting your next question.Benefits, Coverage or Other Provisions
16. 16. No insurer shall deny a claim on the grounds of a specific policy provision, condition, or exclusion unless reference to such provision, condition or exclusion is included in the denial. The denial must be given to the claimant ___ ________ and the claim file of the insurer should contain a ____ of the denial. If you need batteries for your camera or digital recorder, CD's to burn your digital file, a padded envelope or perhaps your next question, you can find them all here...In Writing, Copy
17. 17. No insurer shall request a first-party claimant to sign a _____ that extends beyond the subject matter that gave rise to the claim payment. If you're scanning the area around branch 45 for your next question, you'll find it here...release
18. 18. According to AZDOI circular from 2000, generally a fair and reasonable investigation of a first or third-party claim for bodily injury arising out of a vehicular collision should include consideration of, at a minimum, if reasonably available (1)__________ (2)__________ (3)__________ (4)__________ (5)__________. Now it's time for a stand-up meeting so your next question is found when checking the temps for that area...(1)Claimant Statements (2)Witness Statements (3)Police Reports (4)Visual Evidence (photos) depicting the damage (5)Medical Records for history and treatment
19. 19. The AZDOI advised in a circular from 2000, "When handling claims, insurers are required to ________ claim files. If the claim file does not contain ______, the Department will presume that the action was not taken." For your next question, the NICB reminds us that we all suffer in silence...Document, Documentation
20. 20. When settling first-party _____ _____ losses, an insurer must include all applicable taxes, license fees and other fees incident to transfer of evidence of ownership of a comparable _______. For your next question, Go Broncos or Go Home! Salute the banner that flew over the WMU admin building during 2003...Automobile Total, Automobile

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=1.-You-have-_______-days-to-pay-a-claim-after-receipt-of-an-acceptable-Proof-of-Loss.--Now-don't-go-having-a-heart-attack-trying-to-get-to-the-next-question-location-or-you-may-need-to-use-this...

Question 1 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=2.-A-claim-must-be-accepted-or-denied-within-______-working-days-after-receipt-of-properly-executed-Proofs-of-Loss.--For-your-next-question,-remember-that-in-claims,-you-want-to-get-all-the-fax-of-a-loss-to-properly-investigate...

Question 2 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=3.-When-you-receive-communication-from-a-claimant-where-a-response-would-be-reasonably-expected,-you-have-_____-working-days-to-respond.--Now-why-don't-you-cool-off-with-a-refreshing-bubbly-beverage-for-your-next-questions...

Question 3 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=4.-If-the-statute-or-policy-time-limit-is-about-to-expire-and-a-first-party-claimant's-rights-(who-is-not-represented-or-is-not-an-attorney)-will-be-affected,-you-must-send-notice-to-that-claimant-_____-days-before-the-date-when-the-timeframe-will-expire.--For-your-next-question,-you-better-hurry-up-and-sign-up-to-take-your-AIC-exam-on-October-19th-since-that-date-is-starting-to-fill-up...

Question 4 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=5.-A-response-must-be-sent-to-any-Department-of-Insurance-inquiry-within-___-working-days.--Now-that-you've-signed-up-for-your-AIC-exam,-let's-go-take-it-to-find-the-next-question...

Question 5 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=6.-An-investigation-needs-to-be-completed-with-___-working-days-after-notification-of-a-claim.--Time-to-silently-get-rid-of-some-confidential-documents-for-your-next-question.--How-can-you-have-something-shredded-in-the-claims-department-without-making-any-noise?

Question 6 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=7.-Investigating-a-loss-or-claim-under-any-policy-does-not-constitute-a-____-_-____-by-the-insurer.--If-you're-hungry-for-your-next-question,-perhaps-some-buttery-and-salty-exploded-maize-will-satisfy-you...

Question 7 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=8.-A-____-__-____-needs-to-be-provided-to-any-person-claiming-to-have-a-loss-under-an-insurance-contract.--Now-see-if-you-can-find-where-Carmen-put-the-velcro-and-keyboard-air-cans-to-get-your-next-question...

Question 8 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=9.-All-forms-provided-by-an-insurer-to-an-insured-must-include-the-following-statement:-"For-your-protection...Any-person-who-knowingly-presents-a-false-or-_______-claim...".--For-your-next-question,-see-if-you-can-tell-me-where-the-heck-the-town-of-Blue,-AZ-is-located...

Question 9 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=10.-An-insurer-must-acknowledge-receipt-of-a-claim-within-_____-_____-days-unless-payment-is-made-within-that-time.--If-you-cut-yourself-and-can't-find-one-of-our-first-aid-associates,-you-can-get-a-band-aid-in-the-big-first-aid-kit-(where-you'll-also-find-your-next-question)...

Question 10 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=11.-An-insurer-should-not-refuse-to-pay-claims-without-conducting-a-reasonable-_____-based-upon-all-available-information.--There-is-one-bell-in-the-building-that-may-let-you-know-of-a-fire...do-you-know-where-it's-located-to-find-your-next-question?

Question 11 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=12.-A-person-who-violates-section-20-463-with-the-intent-to-defraud-or-deceive-an-insurer-is-guilty-of-a-____-____-felony.--Now-you-should-probably-go-see-if-you-can-turn-up-the-heat-on-your-friendly,-neighborhood-Underwriting-Manager-to-get-your-next-question...

Question 12 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=13.-As-of-2011,-(except-as-provided-in-subsection-C-of-this-section)-a-county,-city-or-town-may-not-charge-a-fee-from-the-driver-or-their-insurer-for-costs-to-provide-police,-fire-or-other-emergency-responder-services-in-responding-to-a-motor-vehicle-accident-because-of-ARS-___-____.B--Now-go-pledge-your-allegiance-to-Old-Glory-for-your-next-question...

Question 13 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=14.-It-is-an-unfair-claim-settlement-practice-to-compel-an-insured-to-institute-______-to-recover-amounts-due-under-an-insurance-policy-by-offering-substantially-less-than-the-amounts-ultimately-recovered-in-actions-brought-by-the-insureds.--Don't-cry-over-spilled-milk-for-this-next-question...unless-it's-because-that-milk-expired-in-June-of-this-year-and-smells-like-death!

Question 14 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=15.-No-insurer-shall-fail-to-fully-disclose-to-first-party-claimants-all-pertinent-______,-_______-or-_______-_______-of-an-insurance-policy-or-insurance-contract-under-which-a-claim-is-presented.--Don't-forget-to-press-2&4-at-the-same-time-and-then-3-to-be-able-to-leave-after-getting-your-next-question.

Question 15 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=16.-No-insurer-shall-deny-a-claim-on-the-grounds-of-a-specific-policy-provision,-condition,-or-exclusion-unless-reference-to-such-provision,-condition-or-exclusion-is-included-in-the-denial.--The-denial-must-be-given-to-the-claimant-___-________-and-the-claim-file-of-the-insurer-should-contain-a-____-of-the-denial.--If-you-need-batteries-for-your-camera-or-digital-recorder,-CD's-to-burn-your-digital-file,-a-padded-envelope-or-perhaps-your-next-question,-you-can-find-them-all-here...

Question 16 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=17.-No-insurer-shall-request-a-first-party-claimant-to-sign-a-_____-that-extends-beyond-the-subject-matter-that-gave-rise-to-the-claim-payment.--If-you're-scanning-the-area-around-branch-45-for-your-next-question,-you'll-find-it-here...

Question 17 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=18.-According-to-AZDOI-circular-from-2000,-generally-a-fair-and-reasonable-investigation-of-a-first-or-third-party-claim-for-bodily-injury-arising-out-of-a-vehicular-collision-should-include-consideration-of,-at-a-minimum,-if-reasonably-available-(1)__________-(2)__________-(3)__________-(4)__________-(5)__________.--Now-it's-time-for-a-stand-up-meeting-so-your-next-question-is-found-when-checking-the-temps-for-that-area...

Question 18 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=19.-The-AZDOI-advised-in-a-circular-from-2000,-"When-handling-claims,-insurers-are-required-to-________-claim-files.--If-the-claim-file-does-not-contain-______,-the-Department-will-presume-that-the-action-was-not-taken."--For-your-next-question,-the-NICB-reminds-us-that-we-all-suffer-in-silence...

Question 19 (of 20)

 


AZ Fair Trade: QR Challenge

https://www.classtools.net/QR/decode.php?text=20.-When-settling-first-party-_____-_____-losses,-an-insurer-must-include-all-applicable-taxes,-license-fees-and-other-fees-incident-to-transfer-of-evidence-of-ownership-of-a-comparable-_______.--For-your-next-question,-Go-Broncos-or-Go-Home!--Salute-the-banner-that-flew-over-the-WMU-admin-building-during-2003...

Question 20 (of 20)