Compulsory
What is Part 3 and the Amica Recommended limits?
Bodily Injury Caused by an Uninsured Driver 250/500
What is part 5? Where does this part cover you?
Optional Bodily Injury; Coverage outside of MA and on private roads
What is required to offer the Good Student Discount?
copy of most recent grades listing Students name, the school name, school term and B average or 3.0 GPA could also accept Deans list or National honor society certificates
What is the state minimum liability limit?
BI 20/40
PD 5K
Olivia was changing the radio station while driving, and the distraction caused her to lose control and hit a light pole. The accident caused $6,000 worth of damage to her car. The light pole cost $2,500 to replace. Olivia has liability only policy? What, if any coverage would apply to the loss?
$2500 coverage would apply for the light pole but no coverage would apply to Olivia's vehicle since she does not carry any Physical Damage coverage (Collision or Comp)
What 2 Compulsory coverages can not be increased?
Bodily Injury and Personal Injury Protection
What is part 10 and what does this cover? What limit?
Substitute Transportation/Rental - recommended limit of 40/1200; covers due to a loss/claim (wear and tear is not covered for this part)
What is needed to qualify for the Annual Mileage discount? and what are the discount %'s?
0-5,000 miles - 12.5%
5,000-7,500 miles - 7.5%
Need odometer readings from the registry portal or a completed form
If an insured has $5k in Medpay coverage and suffers injuries from an accident resulting in $11K of medical expenses, what is the maximum amount of payout the policy will respond with?
$13K as PIP provides $8K and their Medpay limit provides up to $5K
A rock kicks up from another vehicles tire and dents my car. Which coverage do I need?
Comprehensive coverage
What is part 4? and Amica's recommended limit?
Property Damage
100k
What is part 11 and what does this cover
Towing and Roadside Assistance Coverage; Covers up to $100 of basic disablement and up to 50 miles of towing coverage, also includes if keys are locked in the car, jumpstarting a dead battery, delivering gas, etc
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 are the Amica recommended limits for the Compulsory Coverages
full 8k Pip, 250/500 Uninsured Coverage, 100k PD
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 Part 1 and what are the limitations?
Bodily injury to Others 20/40 limit and no coverage outside of MA
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 covers?
Medical Payments
75% 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 autonomous braking
Electronic Stability Control
What do we recommend for Optional Bodily Injury to Others and why?
250/500, outside of MA, to secure your assets, etc
Amy calls in to change coverages to reduce her premium and wants to remove Property Damage, Collision and Sub Trans. What do you suggest?
Cannot elim PD. The minimum is 5K & not much of a savings to lower it.
We can sol a lower Sub Trans limit, could offer Lim Coll depending on age and if veh has loan. Also, can recommend increasing Coll deductible