Five-step review
| Step | Review focus |
|---|---|
| 1. Vehicle and use | Class, age, mileage, application, duty cycle, and upfits |
| 2. Eligibility | Program rules, condition, inspection, and maintenance history |
| 3. Coverage | Defined breakdown, covered components, and additional benefits |
| 4. Constraints | Exclusions, deductibles, limits, maintenance, and cancellation |
| 5. Claims | Authorization, repair facility, diagnosis, records, and payment |
What the method cannot decide
It cannot approve a vehicle, interpret a contract as legal advice, predict a claim outcome, or determine whether a loss belongs under insurance, warranty, or another agreement.