Compulsory
What is Part 3 in MA and Part C CW
bonus points: what is the Amica Recommended limits?
Bodily Injury Caused by an Uninsured Driver 250/500
What is part 5 on the MA policy? Where does this part cover you?
Optional Bodily Injury; Coverage outside of MA and on private roads
What is required to offer the Good Student Discount?
copy of most recent grades listing Students name, the school name, school term and B average or 3.0 GPA could also accept Deans list or National honor society certificates
What is the MA state minimum liability limit for BI and PD?
BI 20/40, PD 5K
Olivia was changing the radio station while driving, and the distraction caused her to lose control and hit a light pole. The accident caused $6,000 worth of damage to her car. The light pole cost $2,500 to replace. Olivia has liability only policy? What, if any coverage would apply to the loss?
$2500 coverage would apply for the light pole but no coverage would apply to Olivia's vehicle since she does not carry any Physical Damage coverage (Collision or Comp/OTC)
in MA, what 2 Compulsory coverages can not be increased?
Bodily Injury and Personal Injury Protection
What is part B on the Country Wide Auto, and what does this cover? What limit?
Medical Payments
pays medical expenses for services for members of your family and other persons injured by accident while occupying your auto. You and members of your family are also covered as pedestrians should you be struck and injured by an auto.
What is needed to qualify for the Annual Mileage discount? and what are the discount %'s?
0-5,000 miles - 12.5%
5,000-7,500 miles - 7.5%
Need odometer readings from the registry portal or a completed form
on the MA auto policy, what will Pip pay out if you and your spouse are both injured incurring over 10k in medical expenses each?
16K
A rock kicks up from another vehicle's tire and dents my car. Which coverage do I need?
Comprehensive coverage
on MA policy, what is part 4? and Amica's recommended limit?
Bonus what is Part A on CW, what is the amica recomended limit?
Property Damage, 100k
CW: split, 250K/500K with 100 PD
combined 500K
What is part 11 and what does this cover
Towing and Roadside Assistance Coverage; Covers up to $100 of basic disablement and up to 50 miles of towing coverage, also includes if keys are locked in the car, jumpstarting a dead battery, delivering gas, etc
Scenario- Amy is going away to school in the fall? What discounts or options are available to her if she isn't taking a car with her?
Good student discount- GPA 3.0
Student away at school- can operate vehicle anytime she comes home, no form needed.
Exclusion available- would need to complete a form and can only be added back to policy up to two times in a policy year.
What are the Amica recommended limits for the Compulsory Coverages
full 8k Pip, 250/500 Uninsured Coverage, 100k PD
Customer had an auto policy with OBI (BI) 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?
POPI is none
No Grace period.
Prior to cancelling we should ask the customer if they are getting a replacement, and if they are soon, we should recommend keeping the policy
What is Part 1 on MA auto and what are the limitations?
Bodily injury to Others 20/40 limit and no coverage outside of MA
What is part 9, What does it cover?
Comprehensive
Loss due to fire, theft, vandalism, animals, weather related
no deductible for glass replacement
What are the two discounts we offer at a 2% savings on the whole policy?
E-discount and Autopay
If a car is stolen, what part provides automatic rental coverage? what is that limit? when would coverage be provided?
Comprehensive; 15/450; report within 48 hours
What liability limits parts be equal to or less than Bodily injury (OBI for MA)
uninsured motorist can be equal to or less than Bodily injury
for MA uninsured and underinsured (parts (3 and12) can only be equal to or less than optional bodily injury (part 5)
What are the 3 different benefits PIP covers?
Medical Payments
75% Lost Wages
Replacement Services
MA Specific: What is part 7 and part 8? What are the deductibles?
*100 bonus: what are the differences between the parts?
Part 7 - Collision; No fault coverage, deductible applies, waiver of deductible if not at fault
Part 8 - Limited Collision; no deductible, have to be 50% or less at fault and MUST be able to identify the driver
What are the 5 vehicle safety feature discounts we offer?
Passive Restraint
Adaptive Headlights
Anti Theft
Forward Collision Warning System w/or without autonomous braking
Electronic Stability Control
What do we recommend for Bodily Injury to Others (MA OBI) and why?
100 Bonus points: how is this utilized on MA policy?
250/500, to secure their assets, etc
Bonus answer In MA auto policy this covers the insured outside of MA, inside of MA it is used when compulsory BI is exhausted
Amy calls in to change coverages to reduce her premium and wants to remove Property Damage, Collision and Sub Trans. What do you suggest?
Cannot elim PD. The minimum is 5K & not much of a savings to lower it.
We can sol a lower Sub Trans limit, could offer Lim Coll depending on age and if veh has loan. Also, can recommend increasing Coll deductible