Kapnick No-Fault Certification Knowledge Check
Name
*
First Name
Last Name
1. When does an insured need to sign the BI/PIP selection form?
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Always
Never
Sometimes
2. Can an insured opt out of work loss coverage?
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Yes
No
3. How many different PIP selections can an insured choose from?
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3
6
4
5
4. What are the three ways an injured person can claim PIP Benefits? (Check all that apply)
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Insurer of Named Insured
Insurer of Spouse or Resident-Relative
Applies for Benefits through the MCCA
Insurer of the Driver of the accident-involved vehicle
Insurer of the Owner or Registrant of the accident-involved vehicle
5. What is the lifetime maximum medical expense limit through the Michigan Assigned Claims Program (MACP)?
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$250,000
$500,000
No Limit
6. Can an insured reduce their PIP coverage without a signed selection form?
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Yes
No
7. What is covered under Replacement Services?
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8. What additional expenses could an insured incur when choosing their primary health coverage over PIP coverage?
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Coinsurance Charges
Co-Payments
Deductibles
Out-Of-Pocket Maximums
All of the above
9. If an insured opts out of PIP coverage, are they still eligible for attendant care coverage?
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Yes, the attendant care is not associated with PIP coverage
No
Yes, the insured can purchase separately from PIP coverage
8. What is covered under Attendant Care?
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11. Can an insured elect to have a deductible applied to their PIP coverage?
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Yes, with all carriers
Yes, with some carriers
No
12. What factors can no longer be used when rating an auto policy? (Check all that apply)
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Gender
Marital Status
Education Level
Credit Score
Zip Code
All of the above
13. What is the MCCA fee when an insured elects less than Unlimited PIP coverage?
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$220
$100
$0
$50
14. An insured has employer-sponsored health coverage that pays secondary for auto accidents and has an annual deductible of $6,500. Does their plan meet the definition of Qualified Health Coverage?
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Yes
No
15. Are there taxes/fees associated assessed to the MCCA for those electing Unlimited PIP coverage?
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Yes
No
16. Where can one find the needed PIP and BI selection forms? (Check all that apply)
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Carrier Websites (ie. CARA)
Kapnick Community
Indio
Kapnick No-Fault Web Page
17. What is needed when an insured declines umbrella protection?
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Signed Kapnick Declination Form
Verbal confirmation insured does not want coverage
Email confirmation insured does not want coverage
Nothing further is needed
18. Can an insured elect to have their medical insurance pay primary, and their selected $500K PIP limit pay secondary?
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Yes
No
19. What is the Kapnick Recommendation to all Personal Insurance Clients?
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20. What PIP coverage applies to Medicaid, and to Medicare?
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Medicaid participants can elect $50K in PIP, and Medicare Part A&B can opt out of PIP
Medicare Part A&B participants can elect $50K in PIP, and Medicaid can opt out of PIP
Medicaid/Medicare have no impact on PIP coverage
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