Vehicles
RMV1 - What are the two dates listed by the agent signature?
Policy effective date & Policy change date
This coverage provides Funeral expenses for you, household members and guests in your car.
Medical Payments
Customer has $500 ded on policy. repair bill totals $750, what should you advise the customer?
Since $500 deductible, insurance would pay out additional $250. Is this worth it?
This discount is applicable to part 9...why?
Anti Theft - comprehensive covers fire/theft/vandalism
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?
generally - none - gap in coverage
we can review the account to make an exception
**Double Point Question**
Out of state dealer calls in to obtain stamp for RMV1, they plan to have customer go register the vehicle themselves, what is needed?
Electronic RMV1 since dealer is out of state, not MA licensed, customer responsible
Carlos is driving down the road and gets into an accident. he was considered 50% at fault, how much would he have to collect from the other person prior to his insurance kicking in?
Collision provides coverage regardless of fault. if found less than 50%, would have the waiver of deductible and other operator's insurance would pay for damages.
This coverage provides subtrans if stolen...what coverage and what is the limit?
Coprehensive 15/450
**Double Point Question**
This discount is provided if an operator completes additional driving 'credits' to save more on their policy premium.
Advanced Driver Training
What does AMICA stand for?
Automobile Mutual Insurance Company of America
If a customer needs coverage for a trailer, would they need to buy additional liability coverage?
No, trailer is attached so liability automatically extends from the vehicle that is towing that trailer.
**Double Point Question**
What coverage requires that a newly licensed operator be added in X amount of days in order to avoid any future claims payouts?
60 days
If a vehicle is in an accident, payout is made, repairs have not been made yet. What do you think we would need to alter to the policy? What proof would we need to undo those policy alterations?
Remove collision since repairs not made yet. We would require photos of all 4 sides to confirm repairs done to add collision back on for full coverage.
**Double Points Question**
What is the main purpose of URI, UPH, URSN
URI - lookup veh info
UPH - Check active policies, any unpaid prem
URSN - enter name/DOB to view list of plate #s
If a customer calls in needed to renew their plates, what would we need to do?
Issue RMV3 amendment to renew plates, UPOI to update registry with renewal policy listed as active
What does the symbol mean for a vehicle
vehicle classification/density - cost to repair, availability of parts, cost of labor for those parts
What policy provides additional liability coverage beyond what the auto policy covers?
Personal Umbrella Policy
I am parked at a light and a car hits me from behind and I roll through a yard and damage a fence a tree, how will my policy respond?
This all depends on who was deemed at fault. Since you were parked, the other party would mainly be the at fault party with them paying out any damages to properties.
Life discount provides 4%-10% in savings on auto policy. What is the savings on a home policy?
None, Life is only applicable on auto.
How many points do I have?
Speeding - 2012
Minor Surcharge - 2015
Speeding - 2017
05
2012 speeding - falling off, now 00
Minor - 3; not clean in 3 since speeding in 2017
Speeding - within 3 years, 2 points
Car sold 9/1, Plates canx 9/10, Veh registered elsewhere 9/3. When can we remove that vehicle from the policy?
9/3
The auto policy digest states that we must sell limits up to a specific amount. What is that limit
35/80
Customer calls in to change coverages to reduce prem. Customer wants to remove PD, Coll, Subtrans. What do you suggest?
Cannot elim PD, can looking into PD coverage between 50k and 100k. Can solicit lower subtrans coverage. Can solicit lim coll depending on age and if car has loan.
Customer calls in to move one of his vehicles from MA policy to FL policy. What discount would he 'lose'? Where can he get that discount back?
Multi Car discount - manually code 'Yes' on FL auto policy as long as still insured with Amica.
What do we need to fill out on the Safe Driver Inquiry/Points tab when either an operator has a violation out of state or has an International License and cannot provide 6 years of clean driving history?
Out of State Incident Date