1. Arrange students into groups. Each group needs at least ONE person who has a mobile device.
2. If their phone camera doesn't automatically detect and decode QR codes, ask students to
4. Cut them out and place them around your class / school.
1. Give each group a clipboard and a piece of paper so they can write down the decoded questions and their answers to them.
2. Explain to the students that the codes are hidden around the school. Each team will get ONE point for each question they correctly decode and copy down onto their sheet, and a further TWO points if they can then provide the correct answer and write this down underneath the question.
3. Away they go! The winner is the first team to return with the most correct answers in the time available. This could be within a lesson, or during a lunchbreak, or even over several days!
4. A detailed case study in how to set up a successful QR Scavenger Hunt using this tool can be found here.
Question | Answer |
| 1. In our territory, we have _____ municipalities that participate in The Auto Insurance Fire Loss Program. Name them. CLUE - Reduce, Reuse, Recycle. | 6, Canton Township, Dearborn Heights, Detroit, Inkster, Livonia, Wayne | 2. A policy may provide that there is no liability by the insurer to pay replacement cost unless the property damaged is actually __________, __________, __________, at the same or another site. CLUE - Before you plan your tour of MI, you may want to check this out for the best route and points of interest. | repaired, rebuilt, or replaced | 3. In participating municipalities, The Auto Insurance Fire Loss Program requires we do not pay a claim of $__________ or more for loss or damage caused by __________ or __________ until the insured files a report and provides us a copy. This does not apply to __________ fires or explosions. CLUE - Climbing to the third floor may cause dehydration. Quench your thirst and find your next clue here. | 2,000, fire, explosion, accidental | 4. Statute 500.2845 applies to which 2 perils? Statute 500.2227 applies to how many perils? Name them. CLUE - Our claims mascot is guarding your next clue. | fire, explosion, 7, fire, explosion, vandalism, malicious mischief, wind, hail, riot or civil commotion. | 5. Prior to a trial, we cannot settle an action brought by a third party against a Commercial Liability Insurance Policy unless we give the insured notice of the settlement at least _____ days prior to the settlement. CLUE - To refrigerate perishables, you'll need this key. | 10 | 6. We cannot unreasonably restrict an insured from using a particular __________, __________, __________, or __________ to provide automobile repair, glass repair, or replacement service or product covered by the policy. CLUE - To find a phone number, look in the phone book. To find a suite number in the building, look here. | person, place, shop, entity | 7. The withholding maximum for the residential Fire Insurance Withholding Program is adjusted annually. The current maximum escrow amount, not to exceed _____% of the settlement is $__________ effective __________. Fire Insurance Withholding applies to final settlements that exceed what percent of the insurance on real property? CLUE - Has my auto theft been recovered? The theft and recovery location can be found here. | 25, 8426, 12-01-2014, 49% | 8. If we fail to pay a claim in a timely manner what penalty percentage may we face? How many days after a satisfactory proof of loss was received by the insured do we have to make a payment? CLUE - Affirmations and trivia can be found here. | 12%, 60 days | 9. Notice of fire withholding must be sent to whom? CLUE - If you are in need of a snack, you can purchase one here. | Treasurer of the municipality, The insured, Lien holder (Mtg Co) | 10. 11. Are Claims Adjusters, as employees of an insurance company, required to have a License in the State of Michigan? CLUE - We wouldn't steal this from a baby but LB's stash is up for grabs! | No | 11. Fire withholding amounts will be released by the municipality to the insured after reasonable proof of any of the these 3 things has been received. CLUE - Your next clue can be caught fishing for structured settlements. | The structure has been repaired or replaced, The structure has been removed from the land, The insured has entered a contract to repair, replace, or demo and agrees to have the funds paid directly to the contractor | 12. After _____ days, if reasonable proof has not been received by a municipality that fire withholding has met the criteria for payment, the municipality uses the withholding for demolition. If unused funds remain, the proceeds go to __________. CLUE - We Value our Relationships. Grandpa, let's pick some tomatoes! | 180, the insured | 13. There are 14 specific unfair practices in the business of insurance listed. How many of these relate to failing to act promptly? Name them. CLUE - 10-4, copy that! | 6, Failing to acknowledge communications promptly, Failing to promptly investigate, Failing to grant or deny coverage after a POL has been completed, Delaying a claim to seek solely the duplication of a verification, Failing to promptly settle one portion of a claim to influence other portions of the claim, Failing to promptly provide a reasonable policy explanation for a denial or compromised settlement | 14. True or False: We may abandon salvage to a towing or storage facility instead of paying for storage fees without the consent of the facility and/or the claimant. CLUE - What can Brown do for you? Mail a parcel, or give the next clue? | False | 15. The withholding requirements of Section 500.2227 and 500.2845 do not apply if these 3 things occur. CLUE - When you have a great idea a light bulb turns on. When you have a great woodworking idea, this happens. | Evidence of a contract to repair (within 15 days), Insured consents to have the contractor paid directly, The insurer notifies the municipality that there will not be a withholding because a contract was received. | 16. Multiple Choice: Each fire insurance policy issued or delivered in this state shall contain the following provisions: (a) That the policy shall provide, a guarantee of replacement cost coverage. (b) That the insured may repair, replace, rebuild, or take the property. (c) That the policy may be cancelled at any time by the insurer by calling and at least leaving a voice message. (d) That the insurer is subrogated to the insured's right of recovery from other parties. (e) All the above. CLUE - The person with the next clue has the nearest upcoming birthday | (d) That the insurer is subrogated to the insured's right of recovery from other parties | 17. If the owner of a total loss vehicle wishes to retain the salvage, what type of notice must be given regarding their responsibility for storage fees after settlement? CLUE - What a delicious choice of flavorful polymers! Your clue is stuck under an Arctic Grape Ice Cube. I better not find any stuck under your desk! | Written | 18. If and insured and insurer fail to reach an agreement on the amount of a loss, either party may make a __________ demand for the value to be determined by __________. CLUE - Vacant x 5538 | written, appraisal |
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