Auto Auto Auto

Coverages

100

Name the coverages that are rejectable in Arkansas 

Medical Payments,Uninsured Motorist,Underinsured Motorist,Uninsured Motorist Property Damage,Medical Benefits,Lost Earnings,Accidental Death Benefits

200

Define Collision coverage without saying Collide 

Pays for damage, less the applicable deductible, caused by upset of the vehicle

300

What is a deductible? 

A deductible is the amount of money a policyholder pays before their insurance company starts paying for covered expenses

400

What coverages extend on a Temporary Subsitute 

All coverages carried on the owned auto transfer to the temporary substitute. Liability and physical damage extend in all states.

• There is no time restriction for temporary substitutes.

500

What is Limited Tort? 

Limited Tort :You and other household members covered under this policy may seek recovery for all medical and other out-of-pocket expenses, but not for pain and suffering or other non-monetary damages unless the injuries suffered fall within the definition of "serious injury" as set forth in the policy.

Verification

100

In order for an Other Operator to review coverages on the policy what must their driver status be listed as? 

active, at school, deployed, other insurance, non-driver)

200

Name 3 pieces of verification for Name Insured 

1. Policy Number
2. Policyholder's Name
3. Policyholder's DOB

• Last four digits of SSN
• Email address (on file)
• Phone Number (Home/Work/Cell)- Can index policy with phone number displayed in VoIP finesse (If available)
• Driver's License Number

300

If a policyholder is unable to verify their password what is the correct handling? 

If a customer forgets their password, refer to the following instructions:

• Ask for Policy Number or the last four digits of the Social Security Number
• Identify the caller - Named Insured/Spouse?
• Ask for the address on the policy and verify.
• Ask for the Driver's License Number and verify
• Change the Password - the policyholder should establish a password that is easy to remember.

400

T or F: Once verification is completed with the dealer you can adjust comprehensive and collision deductibles 

False- we must speak with the policyholder to make changes on the policy 

500

True or False: After the third party is fully verified you can provide them the next bill due if asked 

TRUE 

• Billing: If a third-party is making a payment, you can provide them with the current amount due and/or due date (this includes the policy balance if that is what the third-party is requesting to pay) and the next payment due and/or due date, if asked.

ID Cards/ Binders

100

True or False: Binders provide the premium 

False- Dec Page 

200

A leasing company generally requires the liability limits to be ___________

100/300/50

300

True or False: All names will reflect on the ID card in all states 

False- 

All states will only display the Named Insured and Co-Insured.

• Exceptions: 
  • Additional drivers will display on the ID cards in:
    • AL, AK, AR, AZ, CA, CO, FL, IL, KY, LA, MD, MN, NC, SC, TN, TX, VA and WA
  • CT, NY, and WV: These states display the registered owner if different than Named Insured and/or Co-Insured.
  • NJ: Named Insured, Co-Insured and Registered Owner(s) will display if different than the Named Insured and/or Co-Insured.

400

If a policyholder requests for a binder to be sent to their email to send to their finance company , what information should we verify before sending? 

* The correct Finance Company is listed 

*verify the email

*Bonus advise 2 copies will be sent in the event of old/new 

500

When are ID cards automatically sent?  Provide 5 examples 

• Vehicle is added or changed/replaced
• Named Insured/Spouse or Co-Insured is added or removed (including clerical corrections to a name)
• An active driver is updated to Spouse or Co-Insured
• An active driver is added or deleted
• An active driver is updated to a non-driver
• A non-driver is updated to an active driver
• An active driver has a name change
• VIN is changed/updated
• Change of rated state address
• With every Declaration (Dec) package for new business and renewal policies
• Processing a Cancel/Rewrite
• Establishing a Companion Policy
• Reissuing a Policy
• Change of address within the state of New York whenever there is a change in zip code

Name that Coverage

100

I pay for 3rd party property damage caused by our insureds vehicle 

Property Damage 

200

I provide you a rental in the event of a covered claim in VA 

Transportation Expense

300

7 years or 100,000 miles whichever comes first 

MBI - Mechanical Breakdown Insurance 

400

I provide Medical expenses, Income Continuation Benefits, and Essential Service Benefits. 

I can be waived. 

Personal Injury Protection

500

Walk me through the steps of how you would  explain the option form process when a policyholder is requesting to reject limits mid policy term (the customer can sign the form online) 

1. Quote the endorsement change for the customer. 
2. Advise the policyholder to go online and apply the quote. 
   • Example: The changes we discussed require an option form. The easiest way for you to sign them is for me to save it as a quote. You’ll need to log into your mobile app or geico.com and go to your quotes page. Select ‘Apply Quote’ and the form will appear for you to sign. The changes will take effect on your policy and your premium will be adjusted after it’s signed. It’s important to do this as soon as possible so your new payments can begin.” 
3. Once they apply the quote, the customer will be walked through the eSignature process. 
   • If the insured cannot sign online, send an option form via mail from EDGE. 

Misc

100

In Friday the 13th what is Jason's last name? 

Voorhees 

200

What is the name of Bristol's Dog? 

Henry 

300

In Friday the 13th what is Jason's mom's name?

Pamela Voorhees or Mrs. Voorhees 

400

What is the name of the card game Cisco plays on the weekends? 

Yu- Gi- Oh! 

500

Abbey has a son, what's his name?! 

Lux or Luxton (it's on her necklace!!)