Auto All Day

Billing

100

What is a secondary solution for a policyholder that requests to postpone payment outside of 9 days on autopay ? 

Pause Autopay 

200

How much is the NSF fee in most states? 

$20.00 

300

How much is the monthly EFT installment fee in most states? 

$1.00

400

If you are on the 5 payment plan and your policy effective dates are 1/16-7/16 when is the renewal payment due? 

6/16 (pay ahead plan)  

500

Explain the SC UM Enforcement fee and can it be removed from the policy? 

The charge is $2.00 per vehicle for the UM Enforcement Fund.

• Uninsured Motorist Fee.
• This is a coverage level fee assessed for all SC rated policies with UM coverage. Eligible vehicles are assessed $1.00 per vehicle at new business and $1.00 per vehicle at renewal ($2.00 total per year). The fee is to be refunded when flat cancel or when the vehicle and/or UM is deleted flat.
• The process is controlled by the Tax-Fee-Surcharge Table.
• The fee provides funds for the cost of administering and enforcing South Carolina Uninsured Motorist Laws.

Coverage

100

Explain Comprehensive Coverage 

Comprehensive coverage is a physical damage coverage that can be carried on insured vehicles and is sometimes referred to as "other than collision" coverage. We will pay for these losses, less the applicable deductible, caused by inc

200

What MBI and what is the deductible in most states? 

Mechanical Breakdown Insurance (MBI) is similar to a dealer's extended warranty protection and provides coverage in excess of the manufacturer’s warranty. When carried with Comprehensive and Collision, the coverage package is called Multi-Risk.

$250.00

300

T or F: You can claim Glass Breakage in all states under MBI 

FALSE 

400

What Coverages can be rejected in Arkansas ? 

• UMBI – Reject or select a limit lower than the BI limit. 
• UIM - Reject or select a limit lower than the BI limit. 
• UMPD - Reject or select a limit lower than the PD limit. 
• Reject Lost Earnings, Accidental Death or Medical Benefits.

500

What is  Bodily Injury Supplemental Spousal Liability (BI-SSL) 

This coverage eliminates the statutory exclusion that prohibited a spouse from suing their insured spouse for alleged negligence in a motor vehicle accident.

• This coverage applies to the following types of vehicles:
  • Private Passenger
  • Motorcycle
  • Commercial
  • Pickup
  • Recreational Vehicles

Auto Processes

100

If a policyholder calls to make a payment and explains they are using their spouses credit to pay (spouse is not listed on the policy) What are the handling expectations? 

Ask to speak to spouse to make payment with their card and add spouse to the policy 

200

What is the spouses status if they have other insurance? 

 the driver status to Active with "Rate this Driver” selected No

300

What is the criteria to qualify for Away At School Discount ? 

Eligibility

To be considered a Student Away at School, all of the following criteria for eligibility must be met:

• Male, female, or non-binary driver
• Single
• 24 years of age or less
• Absent from household while attending a college or educational institution that is more than 100 miles by road from the principal location of the policy and/or automobile(s).
• Not in possession of an automobile.

400

Explain the DDC Discount, what states require a certificate? 

Discount offered to those who complete a Defensive Driving course and meet the eligibility requirements

• CT, ME, NH, NJ, NY, RI, and SC Exception: An uploaded file, faxed copy, email of the certificate, or the completion must appear on the MVR to apply the discount. 

500

True or False: In most states you can  add a child and their vehicle even if it's not kept at your household and they do not reside with you. 

TRUE

he vehicle being insured must be kept at the Named Insured’s address and furnished for the regular use of any insured listed on the policy.

• Child and/or Student Exception: 
  • If the insured’s child has a vehicle located at a different address within the state,
    • the vehicle can be rated on the insured’s policy if it is a multi-vehicle policy, and the address is known. The child can be of any age. 

Vehicles

100

If a purchased a vehicle today- what is the effective date of adding the vehicle? 

TODAY 

200

Does the policyholder need to return plates in SC prior to removing coverage? 

Yes- The plates are required to be surrendered before removing coverage from this vehicle (unless they have been transferred to another vehicle or there is other insurance on this vehicle). If the customer insists on removing a vehicle without surrendering tags, process customer's request and advise they must turn tags within 5 days after the cancellation of insurance. See Effective Date Guidelines. 

300

How far back can an agent backdate removal of a vehicle due to a total loss (salvage not retained) / what about a supervisor? 

• Agent: Day of contact up to 30 days, regardless of current policy term.
  • Note: GEICO retained total losses can be backdated without approval.
• Supervisor: Any effective date within the current policy term and up to 30 days in the prior policy term.

400

Is a cousin considered an immediate family member (hint vehicle ownership guidelines) 

Immediate Family Member-Spouse, Child, Sibling, Parent, Grandparent, Grandchild, Mother-in-Law, Father-in-Law, Son-in-Law, Daughter-in-Law, Sister-in-Law, Brother-in-Law, Stepparent, Stepsibling, Stepchildren and Adopted Children.

500

Explain the criteria to insure a vehicle owned by all others 

The car can be added if ALL of the following statements are true:

• The insured and drivers listed on the policy are the sole drivers of the vehicle and the vehicle is garaged at the insured's residence.
• There must be a written agreement to purchase the vehicle. If there is no written agreement, the vehicle cannot be added. Proof of the agreement is not needed.
• This is not a "Rent to Own" vehicle. See NY Exception.
• There must be agreement to transfer the title once the car is paid. No follow up is necessary.
• If the insured is making payments to the owner OR to a finance company, the owner must be listed as Other Party to Notify. Sales will document the lienholder information in the last Jury.
  • FL Note: The owner must be listed as Interested Party and the finance company as the lienholder in FL rated policies.
• If the owner of the vehicle is deceased and there is agreement from the applicant to transfer the title of the vehicle to their name within 30 days, we can bind the policy. No follow up is necessary.