In CBA, Coverage is the link between a Unit and / or Driver, and a Product.


Requirements for Adding Coverage


The most basic requirements for adding Coverage are a Motor Carrier, Contractor, and Unit and/or Driver.  There must also be a Product, which is typically set up at the Motor Carrier or Contractor level.  Products can be likened to programs, such as a Motor Carrier's Physical Damage program.  Additionally, there may be other Policy-specific requirements, such as a Physical Damage policy's Stated Value requirement.


Requirements that are specific to individual Policies are referred to as Policy Requirements.  These requirements prevent Coverage from being added without the requisite items, and helps ensure proper billing and reporting.  Common Policy Requirements include a Stated Value, an active Unit, and an active Driver.


Inception and Termination Dates


In CBA, Inception dates and termination dates are at 12:00am.  The Inception Date is the first day with coverage and is therefore included in the calculation of premium.  The Termination Date is the first day without coverage (terminating at 12:00am) and is therefore not included in the calculation of premium.


Editing Coverage


CBA allows users to edit existing Coverage items.  Any time a change is made to Coverage, or to a Unit or Driver that will affect Coverage, the Coverage Update Wizard will launch.  The Wizard provides two options for determining how the changes will affect existing coverage items: Push and Reissue.


Push overwrites existing Coverage information with any changes that have been made.  Because Push does not preserve billing history, it should only be used for changes that will not affect billing, such as typos.


Reissue terminates the existing Coverage and incepts a new Coverage that reflects any changes that have been made.  Because a new Coverage is incepted, billing history is preserved, and this option should be used when making changes that will affect billing.


docs_16.gifHow to Edit Coverage


Inactivating Coverage


There are three ways to terminate Coverage:

  1. Use the Close Today link on the Unit page.

  2. Use the Close link on the Coverage page.

  3. Close a Unit that is associated with the Coverage.

The Close Today link will inactivate a Coverage using today's date as the termination date.  It does not allow users to specify any other termination date.  Coverage that has been inactivated using this method cannot be reopened from the Unit page; users must navigate to the Coverage page to reopen Coverage that has been inactivated using the Close Today link.


Using the Close link on the Coverage page allows users to specify a termination date.  Once inactivated, the Coverage page will display a Reopen link that allows users to reactivate the Coverage.


In order to inactivate a Unit, all Coverage items associated with that Unit must be inactivated as well.  Thus, when inactivating a Unit, users are required to specify termination dates for all active Coverage items associated with the Unit.


docs_16.gifHow to Close Coverage


Reactivating (Reopening) a Coverage vs. Incepting a new Coverage


info_tall.gifA coverage can be reactivated if it was inadvertently closed. However, reactivating a coverage does impact billing. You may want to read the differences between reactivating a coverage and incepting a new coverage to determine which approach you want to take.

  1. Reactivate is used when coverage has been terminated accidentally and coverage (and therefore billing) should have been continuous.  For example, if coverage was terminated effective 10/1/2006 and reactivated 1/1/2007, the billing engine will go back to 10/1/2006 and bill for the unbilled periods in-between.

  2. You should incept a new coverage if you want coverage to start billing from the new inception date.   This is used if there was a gap in coverage.  Since there is a gap in coverage, there will be a gap in billing.  For example, if coverage was terminated effective 10/1/2006 and you want to re-start the billing from 1/1/2007. Leave the old coverage as terminated. And incept a new coverage starting from 1/1/2007.