Compulsory
What is Part 3 and what limit do we recommend?
Uninsured Motorist
What is part 5? Where does this part cover you?
Optional Bodily Injury; Coverage outside of MA and on private roads
What discount applies for a student with a 3.0 GPA or better?
Good Student Discount
What is the state minimum liability limit?
BI 20/40
PD 5K
Isaac was changing the radio station while driving, and the distraction caused him to lose control of the car and hit a light pole. The accident caused $6,000 worth of damage to Isaac’s car. The light pole cost $2,500 to replace. Isaac has a liability only policy? Is there coverage for the loss?
yes, property damage coverage would cover damage to the light pole.
What 2 Compulsory Coverage limits cannot be increased?
Part 1 Bodily Injury to Others and Part 2 Personal Injury Protection
What is Part 10 and what does it cover? What limit do we recommend?
Substitute Transportation/Rental Coverage- reimburses rental or transportation costs including taxi/uber, bus and train fare while your vehicle is undergoing collision or covered repairs, recommended limit of $40/$1200
What is needed to qualify for the Annual Mileage discount?
0-5,000 miles - 10%
5,000-7,500 miles - 5%
Need odometer readings from the registry portal or a completed form
What is the most you PIP will cover?
8K
A rock kicks up from another vehicles tire and dents my car. Which coverage do I need?
Comprehensive coverage
What is part 4 and what limit do we recommend?
Property Damage
What is part 11 and what does this cover
Towing; Covers up to $100 of basic disablement and up to 50 miles of towing coverage
Scenario- Amy is going away to school in the fall? What discounts or options are available to her if she isn't taking a car with her?
Good student discount- GPA 3.0
Student away at school- can operate vehicle anytime she comes home, no form needed.
Exclusion available- would need to complete a form and can only be added back to policy up to two times in a policy year.
What is the Amica recommended liability limit?
250/500
Customer had an auto policy with OBI 50/100, they call in to cancel the policy since they sold the vehicle. they callback the next day to get a new policy, what is the Prior Liability limit?
POPI is none
No Grace period.
Prior to cancelling we should ask the customer if they are getting a replacement, and if they are soon, we should recommend keeping the policy
What is the recommended limit for part 4?
$100,000
What is part 9, What does it cover?
Comprehensive
Loss due to fire, theft, vandalism, animals, weather related
no deductible for glass replacement
What are the two discounts we offer at a 2% savings on the whole policy?
E-discount and Autopay
If a car is stolen, what part provides automatic rental coverage? what is that limit? when would coverage be provided?
Comprehensive; 15/450; report within 48 hours
What 2 parts must be equal to or less than this other part?
3/12 equal to or less than part 5
What are the 3 different benefits PIP provides?
Medical Payments
75% of Lost Wages
Replacement Services
What is part 7 and part 8? What are the deductibles?
*100 bonus: what are the differences between the parts?
Part 7 - Collision; No fault coverage, deductible applies, waiver of deductible if not at fault
Part 8 - Limited Collision; no deductible, have to be 50% or less at fault and MUST be able to identify the driver
What are the 5 vehicle safety feature discounts we offer?
Passive Restraint
Adaptive Headlights
Anti Theft
Forward Collision Warning System w/or without antonymous braking
Electronic Stability Control
What 2 parts must be equal to or less than this other part?
Parts 3 and 12 must be less than or equal to part 5
Customer calls in to change coverages to reduce prem. Customer wants to remove PD, Coll, Subtrans. What do you suggest?
Cannot elim PD, not enough savings to lower PD. Can solicit lower subtrans coverage. Can solicit lim coll depending on age and if car has loan. Also, can recommend increasing Col ded.