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QR Challenge: 2017 Fair Trades

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) 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 - "That was easy!" 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 - High fashion satin! Pink goes with anything! 6 (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 - Progress is tracked here. Complete both before July to earn breakfast! $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 fulfill the requirements set forth in the statute? CLUE - Winner, winner, chili dinner. Great bowls of fire award! 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 - Our insured's can sit here and learn our goals while we process the paperwork 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 - Test your vision. Do you have the vision to learn and grow? 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 - Climbing to the third floor may cause dehydration. Quench your thirst and find your next clue here. 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 - 10-4, copy that! 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 - Do you have a sweet tooth? Get your sugar fix and next clue here! 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 - The biggest bobble head collection in the office can be found here. Mickey has your next clue. 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 - Riddle me this: your next clue can be found where we hide the punchline. 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 - Our claims mascot is guarding your next clue. 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 - Radiohead hit of 1995 "Fake Plastic Trees" 49%, 25%, $12,262
15. 15) How many municipalities in the Northville and Troy territory participate in the Auto Insurance Fire Loss Program? Name them. CLUE - Say "cheese"! You may find your picture, and your next clue here. 14 total Northville - 6, Canton Township, Dearborn Heights, Detroit, Inkster, Livonia, Wayne; Troy - 8, Clinton, Grosse Pointe Shores, Harper Woods, Huntington Woods, Madison Heights, Oak Park, Sterling Heights, Troy
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 - Refrigerate your miniature perishables here. 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 - We didn't start the fire, but we can put it out with this! 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 - Homemade woodworking by SIU at its best! What is this thing? 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.

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---"That-was-easy!"

Question 1 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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.

Question 2 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=3)-In-section-500.2026,-how-many-of-the-unfair-insurance-practices-relate-to-failing-to-act-promptly?-Which-letters-are-they?----CLUE---High-fashion-satin!--Pink-goes-with-anything!

Question 3 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Progress-is-tracked-here.--Complete-both-before-July-to-earn-breakfast!

Question 4 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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-fulfill-the-requirements-set-forth-in-the-statute?-----CLUE---Winner,-winner,-chili-dinner.--Great-bowls-of-fire-award!

Question 5 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Our-insured's-can-sit-here-and-learn-our-goals-while-we-process-the-paperwork

Question 6 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Test-your-vision.--Do-you-have-the-vision-to-learn-and-grow?

Question 7 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=8)-What-must-an-insured-do-before-suing-under-the-policy,-and-how-long-do-they-have?-CLUE---Climbing-to-the-third-floor-may-cause-dehydration.--Quench-your-thirst-and-find-your-next-clue-here.

Question 8 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=9)-Under-500.2227-regarding-residential-property-claims,-which-8-perils-qualify-for-fire-withholding-within-participating-municipalities?-----CLUE---10-4,-copy-that!

Question 9 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Do-you-have-a-sweet-tooth?--Get-your-sugar-fix-and-next-clue-here!

Question 10 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---The-biggest-bobble-head-collection-in-the-office-can-be-found-here.--Mickey-has-your-next-clue.

Question 11 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Riddle-me-this:-your-next-clue-can-be-found-where-we-hide-the-punchline.

Question 12 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Our-claims-mascot-is-guarding-your-next-clue.

Question 13 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Radiohead-hit-of-1995-"Fake-Plastic-Trees"

Question 14 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=15)-How-many-municipalities-in-the-Northville-and-Troy-territory-participate-in-the-Auto-Insurance-Fire-Loss-Program?--Name-them.---CLUE---Say-"cheese"!--You-may-find-your-picture,-and-your-next-clue-here.

Question 15 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---Refrigerate-your-miniature-perishables-here.

Question 16 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=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---We-didn't-start-the-fire,-but-we-can-put-it-out-with-this!

Question 17 (of 18)

 


2017 Fair Trades: QR Challenge

https://www.classtools.net/QR/decode.php?text=18)-The-withholding-requirements-of-section-500.2845-&-500.2227-do-not-apply-if-these-three-things-occur.-----CLUE---Homemade-woodworking-by-SIU-at-its-best!--What-is-this-thing?

Question 18 (of 18)