AUTO
WHAT COVERS YOU AND YOUR PASSENGERS IN AN AUTO ACCIDENT WHEN YOU ARE AT FAULT?
MED PAY
NAMED INSURED HAS SUSPENDED LICENSE, CAN WE WRITE THEM A NAT GEN POLICY FOR NON OWNERS?
NO. NAMED INSURED HAS TO HAVE A VALID LICENSE IN THE STATE THE POLICY IS BEING WRITTEN IN
YOU'RE HAVING A BBQ AND THE NEIGHBOR TRIPS AND FALLS AND BREAKS THEIR ARM. WHAT COVERAGE WILL COVER THAT?
MEDICAL PAYS OUT FIRST-THEN LIAB
HOW DO YOU PUT A MC IN STORAGE FOR THE WINTER?
REMOVE ALL OPTIONAL COVERAGE (MED PAY/GUEST LIAB) DROP ALL LIAB DOWN TO 25/50. BE SURE TO NOTE THE COVERAGES BEFORE CHANGES SO THEY CAN BUMP THEM / ADD THEM BACK IN SPRING. KEEP COMP/COLL THE SAME IN CASE OF A LOSS WHILE IN THE GARAGE ALL WINTER
DO WE INSURED STREET LEGAL GOLF CARTS?
YES, THOSE GO TO TINA. SALES CAN DO NON STREET LEGAL
VEHICLE IS USED TO PULL TRAILER FOR A LANDSCAPING BUSINESS. WHAT COVERAGE DO YOU NEED ON IT?
NONE ON A PERSONAL POLICY, HAS TO BE COMMERCIAL
WHAT COVERAGE CAN YOU PROVIDE WITH NAT GEN FOR A SALVAGE TITLE VEHICLE
LIAB ONLY. CANNOT ADD UMPD DUE TO NO PHYSICAL DAMAGE COVERAGE ON SALVAGE TITLE VEHICLE
TREE FALLS ON YOUR SWIMMING POOL. WHAT IS THAT COVERED UNDER
OTHER STRUCTURES
WHAT IS THE LIAB LIMITS TO QUALIFY FOR PUP ON A MC
100/300/100
CAN WE LIST 4WHEELERS AND SXS ON SAME POLICY?
YES WE CAN
YOU ARE HIT BY A DRIVER AND THEY TAKE OFF.....WHAT IS THE COVERAGES FOR YOU?
COLLISION WILL COVER THE VEHICLE AND MED PAY/UMBI WILL COVER ANY INJURIES
INSURED HAS SALVAGE TITLE VEHICLE ON THE POLICY, CAN YOU PUT IT IN STORAGE
NO. AGAIN NO PHYSICAL DAMAGE COVERAGE AND IN ORDER TO PUT IN STORAGE YOU NEED COMP COVERAGE
WHAT DO YOU NEED TO REMOVE A DIVORCED SPOUSE FROM THE POLICY?
WE HAVE TO REACH OUT TO THE SPOUSE FIRST TO MAKE SURE THEY WANT TO BE REMOVED FROM THE POLICY. WE CANNOT TAKE THE WORD OF THE EX SPOUSE SINCE THEY ARE BOTH POLICY HOLDERS
WHO NEEDS TO BE LISTED DRIVERS ON MC POLICIES
ANY MC LICENSED DRIVER IN THE HOUSEHOLD
INSURED CALLS TO FILE A THEFT CLAIM OF A 4 WHEELER ON THEIR HOMEOWNERS POLICY. THERE IS NO POLICY ON TH 4 WHEELER, WHAT DO YOU DO?
YOU EXPLAIN THERE IS NO COVERAGE UNDER THE HOMEOWNERS FOR A MOTORIZED VEHICLE AND 4 WHEELERS/SXS/OFF ROAD VEHCILES REQUIRE A POLICY OF THIER OWN TO BE COVERED WITH COMP FOR THEFT
EXPLAIN UMBI
UNINSURED MOTORIST PROPERTY DAMAGE GIVES YOU COVERAGE IF YOU DO NOT HAVE COLLISION AND YOU ARE HIT BY AN UNISURED DRIVER. 25K IN COVERAGE WITH 250 DEDUCTIBLE - BUT SOME STATED ALLOW YOU TO COVER UMBI AND COLLISION
INSURED HAS RV PARKED FOR THE WINTER AND WANTS TO CANCEL, WHAT DO YOU OFFER THEM TO STAY?
STORAGE WITH COMP. GIVES THEM COVERAGE FOR WINTER AND KEEPS POLICY ACTIVE SO WE DONT HAVE TO REWRITE LATER ON
PIPE BURST AND FLOODS THE HOME. WHAT COVERAGE IS THERE
BASED OFF DEDUCTIBLE AND DAMAGES IT WOULD BE COVERED, BUT NO COVERAGE FOR THE BUSTED PIPE
NO
DO YOU GET A BUNDLE DISCOUNT FOR ORV POLICIES?
YOU DO ON THE ORV-BUT NO DISCOUNT ON AUTO IF THEY DONT HAVE THE HOME WITH US
INSURED BREAKS DOWN AND VEHICLE IN THE SHOP. THEY HAVE TRANSPORTATION EXPENSE, IS THAT COVERED FOR MECHANICAL BREAKDOWN?
NO. TRANSPORTATION EXPENSE COVERS ONLY IN THE EVENT OF AN ACCIDENT/COVERED LOSS
WHAT IS THE AGE LIMIT FOR NAT GEN
OVER 80 WILL NOT QUALIFY FOR COVERAGE. THEY REQUEST DOCUMENTS FROM A DR BUT AGENCY SAYS DONT WASTE THE TIME ON THAT
NO. NOT ON YOUR HOMEOWNERS POLICY. IT WOULD BE COVERED IF YOU HAD IT COVERED ON YOUR AUTO UNDER YOUR COMP
SALES
WHAT INFO DO YOU NEED FOR THE ORV QUOTE?
YEAR/MAKE/MODEL/VIN
LIENHOLDER IF THERE IS ONE
DRIVER INFO (NAMED INSURED) AND WHO ITS TITLED TO