Name That Coverage!
Scenarios
Guess That Discount
True or False
100

This coverage pays damages due to bodily injury and property damage to others for which you are responsible.

Liability (A,B)
100

Mrs. Tipsord calls in for a raw new auto quote and is also a homeowner. How do you approach the multi-lining conversation?

Let's have a conversation!

100

All youthful drivers (regardless of rating) assigned to the policy must:

  • Be under age 25.
  • Have a valid driver’s license.
  • Have no at-fault accidents or moving violations during the past 3 years.

Steer Clear Discount

AA>Priv Pass>Discounts>Steer Clear Disc

100

A customer must be 18+ to apply for insurance with State Farm 

False. 

As long as the customer has a valid DL, we are able to bind coverage (with exception of NC) 

200
  • Mechanical labor for up to one hour at the place of its breakdown.
  • Towing to the nearest place where repairs can be made.
  • Towing the car out if it is stuck on or next to a public road.
  • Delivery of gas, oil, battery, or change of tire, but not the cost of such items.
  • Locksmith labor for up to one hour to unlock a covered car if its key is lost, stolen, or locked inside the car.

Emergency Roadside Assistance (H) 

200

Mr. Smith was warm transferred from Ret II in need of a Raw New auto quote. When gathering information, you realize that Mr. Smith has an active HO policy and a terminated Auto. What should we review before the call is merged?

Let's have a conversation!

200

Drivers must have an eligible smartphone or OnStar Plan 

Drive Safe & Save


200
An unmarried couple who lives together but does not share vehicles must be included in the same HH

False. 

They can be separate because they do not share vehicles

AA>Priv Pass>App-Eligibility>HH Definition

300

This coverage pays for a covered car that is stolen or damaged by causes other than collision or upset

Comprehensive (D) 

300

Ms. Fisher calls to review a quote done earlier that day and you discover that DSS is included. Does the DSS Disclosure need to be read by you?

DSS Disclosure needs to be read by the rep who binds the policy, even if the quote was started by another rep/agency/online 

KA109310

300

May apply when a policyholder has another qualifying line of insurance

Multi-Line Discount (MLD)

300

The only in-scope endorsement CCC can quote and bind for boat is "Boat Rental Reimbursement and Liability" 

True

PRO102308

400

This coverage pays for bodily injury to you, and any resident relative, resulting from the ownership, operation, maintenance or use of a motor vehicle, or if struck as a pedestrian by a motor vehicle in accordance with the No-Fault Act.

Personal Injury Protection (PIP)

400

During the quoting process, the customer discloses that they will need an SR22. Is the customer now ineligible?

No. They are not ineligible 

PRO100410

400

Applies if the principal operator meets the following qualifications: 

  • 21 years of age or older
  • If there was a chargeable accident, but in the 9 years prior to the accident the policy was in force in Mutual or Standard with no chargeable accidents

Defensive Driving Discount (DDD) 

400

Drivers with a suspended or revoked license are eligible for insurance within the state of North Carolina

True but only for Plan X 

AA> App-Eligibility>EUR- Motor Vehicle Record 

500

This coverage pays if the covered person dies as a result of injuries sustained in a car accident. Limits of $5,000 and $10,000 are available.

Death, Dismemberment and Loss of Sight (S)

500

Mr. Jackson has an active homeowners policy and calls to obtain auto insurance. How do you verify this customer?

Standard Customer Verification 

PRO101941

500

Is automatically reflected in the premium when a valid VIN is entered for eligible vehicles

Passive Restraint Discount (PRD) 

500

An auto application cannot be bound with the Steer Clear Discount

True 

PRO102292

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