Auto Coverage
True or False – Auto Loan / Lease (GAP) Coverage is available for newly purchased and used vehicles?
True or False?
False.
GAP coverage is only available for vehicles purchased or leased new and never before titled.
Also, the vehicle must have a lienholder/lessor, and they must be listed on the policy while the coverage is in force. KN23224
What discount is required to be defaulted on every property policy?
Local fire alarm, unless there is a central/direct alarm
In what states do we NOT offer Driver Exclusions?
We do not offer Driver Exclusions in the following states: KS, KY, MN, NC, NV, NY, OK, OR, VA, VT, WI
KN22493
What verbatim statement must be advised to the member in the beginning of the call.
The Call Recording Statement (CRS)
What screen in PC would you select if the member lived in a gated community?
Dwelling Page/ Under Property Location Detail
What is a Named Non-Owner Policy (NNO)?
It is a policy for a person that doesn't own a vehicle and wishes to purchase coverage while operating an employers' vehicle, a rental vehicle, or a friend/family members' vehicle.
Who would qualify for an Auto Financial Discount?
A member that has a Life, Annuity, or Health policy written and/or serviced by a Nationwide or Allied Agency.
Would the NI's mother-in-law that lives in the household and drives the vehicle only on certain occasions be considered a permissive user?
No. A Permissive User is someone not living in the home and not listed on the policy who operates the NI's vehicle(s) with his/her permission on rare or limited occasions.
Ex. Your neighbor's car broke down and he ask to borrow your car to go to the store.
True or False – The PA Pre-bind Process can be completed with a Non-Named Insured
False, unless they are Power of Attorney, Conservator, Guardian, or Executor of the estate - KN27774
For each driver listed on a same day bind/call back to bind, what do you need to ask/verbally verify about the driver?
NI’s SSN (except in CA), Age First licensed, License State & Number, Driver type (if not listed as primary) - Call Flow
What is the amount of Additional Customization that is included on a Policy Center auto policy?
$3,000
Note: Virginia standard auto policies have unlimited customization coverage automatically applied in the base contract. KN23440
In what state are Elite Driver and Good Driver discounts available?
California
On an auto policy, do we need to list a Youthful Driver with a permit that requires adult supervision?
No. Youthful Drivers with a permit that require adult supervision are not seen as being "of driving age" and do not need to be listed.
However, if the youthful driver can drive themselves to school or work they should be rated on the policy.
Why are Fraud statements required to be read to customers over the phone PRIOR to bind?
This strengthens the ability to rescind applications or deny coverage in the event fraudulent situations or misrepresentations occur. – Call Flow under Why?
On a NMEA call, what do I have to validate the spelling of?
First/Last Name, Address (street name & city), Email address – Retention Call Flow
What does "stacking" UM/UIM coverage mean?
Stacking is when you combine separate UM/UIM coverage limits into one higher limit. This gives the member more protection if involved in a car accident with an uninsured or underinsured driver.
The Ring doorbell qualifies as a local burglar alarm?
True or False?
False.
The ring does not qualify as a local burglar alarm.
A Local Alarm is connected only to the electrical system of the dwelling and warning sounds on premises only. KN25842
Adult child (not a YD) lives in parents’ household, but has own vehicle and insurance with Nationwide. Parents have insurance with State Farm. Should the parents be rated on the adult child’s policy?
No. The parents should be excluded from the Nationwide policy.
In the state of Pennsylvania you are required to send 6 notices that are included in what two forms?
What is the Tort Option Form & Application
Which states offer the option to list a Third Party Designee for Auto and Home policies?
California, Connecticut, New Jersey, New York (only for drivers 65+)
KN26034
What is the difference between Med Pay and PIP coverage?
Medical Payments provides coverage for medical and funeral expenses incurred by the NI and family members.
PIP Coverage does the same, however, it also covers for lost wages, and the costs of household services/rehab expenses for the NI and family members.
Coverages varies from state to state.
What is the main difference between the SmartMiles and SmartRide Program?
SmartRide is a discount program based on the members driving habits with the goal improving their overall driving performance and lowering their rate.
SmartMiles is a pay-per-mile discount program for drivers with low mileage. The program collects the miles driven by the member and their driving behavior to calculate the rate.
The rate will vary month-to-month based on the number of miles you drive
Two roommates live together, but share no property other than the apartment, and have no relationship other than the roommate relationship. Roommate 1 wants a policy with us and roommate 2 is insured with another insurance company. Roommate 2 regularly drives roommate 1’s vehicle. Should roommate 2 be rated?
Roommate 2 should be rated as a driver.
What process do you follow if you have someone requesting a quote or bind that is not the named insured?
Follow the Non-Named Insured caller process.
FYI - The link is in the Call Flow in the shopping section.
What are 2 forms of Proof of Insurance that we accept?
Declaration Pages & Letter of Experience from prior carrier