Compulsory
Optional/Physical Damage
Discounts
Limits
Miscellaneous
100

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

100

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

100

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 

100

What is the MA state minimum liability limit for BI and PD?

BI 20/40, PD 5K

100

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)

200

in MA, what 2 Compulsory coverages can not be increased?

Bodily Injury and Personal Injury Protection

200

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.

200

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

200

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

200

A rock kicks up from another vehicle's tire and dents my car. Which coverage do I need?

 Comprehensive coverage

300

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

300

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

300

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.

300

What are the Amica recommended limits for the Compulsory Coverages

full 8k Pip, 250/500 Uninsured Coverage, 100k PD

300

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


400

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

400

What is part 9, What does it cover?


Comprehensive

Loss due to fire, theft, vandalism, animals, weather related

 no deductible for glass replacement

400

What are the two discounts we offer at a 2% savings on the whole policy?

E-discount and Autopay

400

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

400

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)

500

What are the 3 different benefits PIP covers?

Medical Payments

75% Lost Wages

Replacement Services

500

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

500

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

500

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

500

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

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