Agreement · MA-009
Fleet Insurance
Your fleet ⇄ Drivewise Mutual · Renewal due · 2024-09-01 → 2026-06-14
Commercial terms
Premium
$15.4K / monthUsage-adjusted
Per-mile rate
$0.041 / vehicle-mileOdometer-verified
Deductible
$2,500 per incidentBody & paint structural excluded
Settlement
net-15 · approved / recorded
Service levels
Claim ack SLA✓
target ≤ 24 h · actual 4 h avg
First-payment SLA✓
target ≤ 10 days · actual 6 days avg
Coverage uptime✓
target 100% · actual 100%
Escalation
Approval threshold
Structural / frame work always escalates
Rate ceiling
Renewal delta > 5% → fleet manager
Exception trigger
Claim > $10K · coverage gap
Fallback
No fallback supplier ingested — add one and an outage routes to manual dispatch instead of an approved backup.
Warranty
No warranty programs ingested — add coverage and recoveries route to OEM instead of clearing.
Evidence
Photos
Before + after required
Technician signature
Digital, on completion
Geo confirmation
On-site geotag matched
Parts invoice
Itemized, line-level
Completion proof
Pipeline-verified close-out