San Diego State University Business Discussion

Description

Discussion 4

Arthur owns a truck, which he insures with Aztec Insurance Company on a Personal Auto Policy (PAP). He is finishing college, and on the side, he has started a small, local delivery business, creating a website where students can request snacks, drinks, etc., and he will deliver them to their dorm/housing.

Arthur’s business is a great success, and he needs more help. His friend Stacey agrees to work for him part-time, making deliveries when Arthur is busy.

One day, Stacey gets into a small accident – a “fender bender” – while she is out on a delivery for Arthur. She has struck the car in front of her, causing damage to that driver’s car, as well as Arthur’s truck. The other driver is not hurt, but Stacey’s neck is sore, so she needs to go to the doctor to get it checked out, and ends up with a medical bill as a result.

Arthur reports the claim to Aztec Insurance Company, who concludes that Arthur and Stacey are at fault. However, the claim will be denied.

Based on the scenario above:

-Why did Aztec Insurance Company deny the claim? Please provide at least one reason, and explain.

-What are some things that Arthur and Stacey could have done differently, in hindsight, to make sure they were covered in this scenario?

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