"What If" Questions
Where does coverage apply?
Our Auto policy extends anywhere in the US, our Territories and Canada.
When abatement criteria changes/updates
Underwriter questions where to route a call/work, what resource guides us on that?
Standard Work
What two eligibility factors does a converted Motorhome need to be eligible for a MH policy?
If you cannot find a Travel Trailer's IRGs in the Online IRGs, what resource would you use to manually find them?
Auto Rate Manual
If a driver is using their vehicle to deliver food 50% or less of the time, how would we write that?
Personal Use
Can you appeal for a Standard offer?
No
An Agent needs help finding the IRGs for a recreational vehicle, what resource would you use?
Online IRGs
What Rule in the Rate Manual provides IRGs for vehicles that are 1970 and older?
Rule 207
What is the difference between an at fault accident and a chargeable accident?
An at fault accident, the insured is at fault. Chargeable accident, insured is at fault and meets a dollar threshold amount of damages.
Does coverage extend from a private passenger to a nonowned motorhome?
Our auto policy will extend to a rented motorhome but if the insured would like higher liability limits or lower physical damage deductibles, then you would want to add the 6245 endorsement
We received info to reverse AA after the term date of 2 policies, but 3 are still active. Can we reverse?
Yes, but the 2 inactive policies will be reinstated with TOOF effective the date we received the info.
What resource(s) would you use to answer coverage questions?
Auto Policy Booklet
AutoAnswers
Where would you find if a state uses the Violation dates or Conviction dates to determine eligibility?
AutoAnswers>Private Passenger>App Eligibility>MVR
Where can you find if a private passenger policy will extend coverage to a non-owned trailer?
Policy Booklet
Does physical damage coverage extend to a nonowned trailer?
Liability will extend from the towing vehicle but we will only extend $2500 physical damage coverage. If they would like physical damage in excess of the $2500 policy limits, ERS, or lower physical damage deductibles then they would need to at the 6245 endorsement
What are the three options an Agent can appeal for?
- Reduction in coverage
-Driver exclusion
-Driver out of household
What position in the class code in AZ would show us what level of AFD a customer has?
5th position
How would we write a UTV used on public roadways?
As a private passenger
What are three exceptions to the 30 day backdating rule?
AutoAnswers>PPV>Policy Changes>Backdating
Do we rate for customizations/accessories on private passengers?
Confirm the PC Auto policy is in Mutl, if so, reverse.
Where can we find the conversion formula for converting electric horsepower to cc's for E Bikes?
Answers > Auto > Motorcycle > Applications – Eligibility > Vehicle and Vehicle Use
How long must a 2 Star policy remain 2 Star before moving to 3 Star?
1 year
PG460-S02-03
Where can I find the eligibility guidelines for Motorhomes?
Underwriting Eligibility References>Type of Vehicle>Rec Veh Program>MH