Coverages
If customer has liability only policy and their car is hit and they can identify the driver, is there coverage?
Yes, regardless of policy form, there would be coverage since able to ID the driver and obtain their insurance information.
This discount is automatically included for newly licensed operator if they live in Massachusetts and is a teenager
Driver Training
True of False: A customer can have more than 1 auto policy under 1 account?
True - husband/wife could have separate policies to pay their own premiums
state minimum liability is __
Amica recommended is __
20/40
250/500
**Double Point Question**
Are you paying more for insurance because:
A) Where you live; or
B) The type of vehicle you drive
Its actually both.
Parts __ & __ must be equal to or less than part __
3/12
5
True or False: a customer cannot have more than 1 life insurance policy
False
What policy could provide coverage for a trailer?
It all depends.
travel trailer - could be on auto policy
boat trailer - could be on OM policy
___ provides subtrans with a limit of __/___ if reported w/in ___ hours
Comprehensive
15/450
48
How many parts are listed under Compulsory?
4 - BI, PIP, UM, PD
What part provides coverage for you outside of Massachusetts and on public roads?
Part 5 - OBI
What are the two discounts offered at roughly 2%?
E-discount
Autopay
This policy provides financial stability in the future
Life
what is the limit at which we are required to AT LEAST solicit?
35/80
What system do we use to:
1. look up a customer
2. look at a customers policy
3. take a payment
1. CARE
2. Policy Center
3. Billing Center
Where would you be covered if you hit a guardrail?
Property Damage
This discount is provided once someone completes a course for defensive driving
Advanced drivers training
This policy form is needed for protection for your personal belongings
Homeowners
What parts are defined under the Physical Damage part of the policy?
OBI, MedPay, Coll, Lim Coll, Comp, Subtrans, Towing
Free Space
Free Space
What is OEM coverage
Original Equipment Manufacturer - automatically has it up to 20k miles, need to add on manually after 20k miles. Only applicable up to 10 years for age of vehicle.
What are the 5 vehicle safety feature discounts
anti theft
electronic stability control
adaptive headlights
forward collision control
passive restraint
This policy form provides additional liability coverage
(rain)
Umbrella
What is GAP coverage and how does it work?
in the event of a total loss, will pay for difference between value of car and amount remaining on loan.
This can only be added within 30 days of purchase.
What are 3 things that PIP covers?
Medical Payments
75% of Lost Wages
Replacement Services