Each line section in Applied EPIC contains well-defined sub-sections to ensure accurate storage, rating, servicing, and reporting. While general insured details are maintained at the Client and Contact levels and some part is being added in the higher-level policy sections (Servicing and Billing, Personal AP), the Personal Automobile (AUTOP) policy line captures line-specific details within dedicated subsections like vehicles, drivers, coverages, and supporting documentation. This structure will help us to manage and maintain the policy throughout its lifecycle.

Below is a list of tabs for subsections found in the Personal Automobile policy Line, which capture important and valuable information for the AUTOP policy.

1. Policy Information
   The Policy Information tab, available within the Personal Automobile policy section, contains the basic information about the policy base, applicant, co-applicant, residence, and their specific details. It serves as an extension of the Personal Application section to include additional information about the policy.

Some basic Examples are:

• Applicant Name: John Smith
• Co-applicant Name: Jane Andrew
• Employment: Software Engineer, XYZ Corp
• Policy Type: Personal Auto— Plan

 

2. Vehicles
   This section will mainly store all vehicle-related information that affects coverage and premiums. It is organised into three separate tabs, which are listed below:

2.1 Vehicle Description
This tab will contain the basic details of each vehicle added in policy. Some of the example fields are described below with values:

• VIN: 1HGCM57433A123456
• Year, Make, Model: 2026, Innova, Hycross
• Usage Type: Personal
• Garaging Location: 123, street, Elm Street, Springfield, IL
• Ownership and Lienholder Information: Owned by John Doe, Lienholder: ABC Bank

2.2 Vehicle Coverage
This tab stores all coverages associated with each vehicle. Each coverage record includes key details such as :

• Coverage Limit: $100,000 Liability
• Premium: $1,200/year
• Deductible: $500

2.3 Driver Use
This section mainly contains information about how each vehicle is used by drivers and will also indicate the percentage of usage attributed to each driver.
Example:

• Driver: John Smith– 70% usage
• Driver: Jane Andrew– 30% usage

Used Vehicle: 2022 Toyota Hycross– Primary driver John Doe

3. Drivers
   This section stores the basic information about all drivers associated with the policy. Some of the example fields are mentioned below with some sample values, which are being stored for each driver: 

• Driver Name and Personal Information: JohnSmith, Age 35
• License Number and Status: D1234567 – Active
• Assignment of Driver to Specific Vehicles: “Assigned to 2022 Toyota Camry and 2021 Honda Accord.

 

4. Additional Coverages
   The Additional coverage section includes a list of coverages that are not part of the vehicle-specific coverages or policy-specific coverages. Each coverage record contains essential details such as:

• Coverage Limit: “$50,000 Personal Liability”
• Premium: “$200/year”
• Deductible: “$0”
• Code, Description: UM – Uninsured Motorist Coverage

5. Accidents
   The Accidents/Violations section (associated with the Drivers tab) will store information regarding any accidents, claims, or convictions tied to a specific operator, including details such as:

• Type of Incident: Front-end collision
• Date of Occurrence: 03/15/2024
• Location of the Accident: 466 Oak Lane, Springfield, IL

6. Additional Interests
   This section captures information about any Additional Interests listed on the policy. It may include details about Additional Insureds, Certificate Holders, and Lien Holders. Although all information is stored in the same fields, different types of interests are distinguished using the specific nature of interest codes. This section may include details such as:

• Interest Code: LIEN
• Rank: 1
• Name: Industry Bank
• Address: 786 Finance Ave, Springfield, WA

7. Forms and Endorsements
   This section stores information about forms and endorsements related to underwriting data. Details about the forms will be captured in fields such as:
   Example:

• Form: Personal Auto Liability Form
• Endorsement: Roadside Assistance Endorsement

8. Attachments
   The Attachments section holds all documents, files, and correspondence linked to this specific policy line. For Personal Automobile, this section contains some files such as signed applications, vehicle registrations, MVRs, and the issued AUTOP policy documents.
   Example:

• Driver’s License Copy: John_DL.pdf
• Vehicle Registration: Toyota_2022.pdf
• Accident Photos: Accident_03_12_2023.zip

9. Remarks
   The Remarks tab is used to record line-specific notes, observations, and underwriting details. This field may contain any critical policy information that does not map to a standard, structured field elsewhere within the application.
   Example:

• The client requested to increase the coverage limit for the second and Third vehicle at the next renewal.
• Policy reviewed for safe driver discount eligibility. Added successfully

Although Applied EPIC offers extra sections and fields to add the more advanced system data, the subsections described above are the key areas where we can store the essential Personal Auto policy information. Entering data in these primary sections will help us maintain accurate policy servicing, rating, and reporting.