You're a claims adjuster handling liability claims. You receive a loss that has the following information:

Named Insured: Mindy O'Connell & Bradley Cooper

Date of Loss: March 17, 2019

Location of Loss: I-25 and 6th Ave

Loss Description: Mindy was driving her 2015 Mitsubishi on I-25, exiting onto 6th Avenue when she rear-ended the car in front of her. That car was a 1998 Lexus 470. The driver of that car, Tom O'Malley, stated that he had neck & back injuries and that his rear bumper and tailgate were damaged.

what steps you would take to determine if this loss is covered under the policy, whether Mindy is responsible for the loss, and what steps you would take to complete your investigation.