Auto Jeopardy Jeopardy Template

Prior Insurance

State Specific

Guidelines for adding or deleting an operator

Coverages/PUIIM

Bonus Category

100

When do you address prior insurance?

PRO13725

Do not address it unless its cancelled, expired, or lapsed, or blank.

100

What state does the name need to be spelled and matched correctly on the registration?

PRO14286 - NY

ID Cards / Name on ID must match registration exactly.

100

True or False: A fiancé is defined as a cohabitant only if the cohabitant endorsement is on the Auto Policy.

PRO29993

TRUE

IMPORTANT: A fiancé is defined as a cohabitant only if the cohabitant endorsement is on the Auto Policy. The cohabitant endorsement is only on the policy if the fiancé is capped as a cohabitant and added to the Auto Policy.

100

When issuing new and pick-up in the middle quotes, you must offer an explanation of coverage for what (3) states?

PRO33166

CA, ID, MI

100

What is the difference between 1.0 Safe Pilot Program features and 2.0 Safe Pilot Program features?

PRO33929

1.0 - Up to 5% savings for enrolling in the program.

1.0 - Savings of up to 20% can be earned by using the USAA SafePilot App.

1.0 - Meet the minimum driving requirements of 300 miles and 20 hours of driving.

2.0 - Up to 10% savings for enrolling in the program.

2.0 - Savings from 1% - 30% can be earned by using the USAA SafePilot App.

2.0 - Meet the minimum driving requirements of 325 miles and 16 hours of driving.

200

What type of auto insurance policy will not prefill?

PRO13725

A Commercial Policy

200

Name all of the Garrison exception states.

PRO13696

MA, CT, HI, NY, SC, & FL

200

If these (3) people have access to or use of the member's vehicles, what should you do next and who are those 3 people?

PRO29993

Add them to the policy.

- Caregiver/Nurse

- Roommate

- Nanny/Babysitter

200

For a new quote/issue on AO, what should you confirm? List all that applies before you get to the coverages page. (Hint: 15 amount)

(PRO33166)

Effective date, Prior Insurance, Operator Info: Are there any other drivers in the household?, age of U.S. regular License, Registration, Lien/leasing company, New or Used vehicle when applicable, Operator Discounts, Vehicle Discounts, Driving record - We show that you have x tickets and y number of accidents, Garaging location, basing location, Vehicle and Operator Assignments, Usage, Address: Annual Mileage

200

True or False: WARN NOTE says: Outbound > Auto > Purchase New Auto Policy

You can keep this call if the member had a bad experience prior and you are trying to fix it!

PRO18276

False

EXCEPTION: If the profile has a Warn Note to transfer for special handling, ALWAYS transfer the member to the appropriate department using the Phone Directory or chat queues based on line of business (LOB) or Warn Note direction.

300

If the member doesn't remember the Bodily Injury limit (on prior insurance) and it's blank, how would you proceed?

PRO13725

If prior BI limit is blank and member cannot confirm because they do not know for sure, use the state minimum for the prior policy’s location.

300

Explain what is stacking in Florida.

Can it be rejected? Yes or No?

PRO13638

1. For a multi-vehicle policy you receive the limits times the number of vehicles with UM/UIM premiums shown on the declaration page.

For example, if the UMBI limits are 100/300 and there are 3 vehicles shown with UM/UIM premiums on the declaration page then the total limit available is 300/900 (100/300 x 3). These limits would apply if the insured is occupant in a non-owned vehicle when they were injured in an automobile accident. USAA's policy may apply in excess of other available coverage, and depending on the state, USAA's excess coverage may be limited to the aggregate of all UIM coverage payable for all other, similar policies.

2. Yes, Stacking can be rejected by form 999FL sent to USAA by e-sign, fax, mail, or Document Request Tool (DRT).

NEW:

For policies effective on/after 10/16/21, new business may be issued, by an Insurance Professional (IP) over the phone, with Non-Stacked coverage or with limits less than the BI limits selected prior to receiving the form. (See 3rd bullet under alerts)

300

What are (3) reasons for deleting an operator?

PRO14321

a) An operator who in no longer a member of the household

b) An adult operator with insurance coverage on another policy

c) An operator who is deceased.

300

When quoting a new auto policy (for PUIIM) an explanation of coverages is not required, but what is?

PRO33166

Provide BI/PD liability limits, deductibles, and premium

**“I’m going to provide a premium based on general information, and we’ll cover additional details in a moment.”

**If saving a quote, or the system requires you to make a selection, select “No” to the Coverage Explanation question.

300

When enrolled in the Safe Pilot Program, what does the member have to do when he or she is not driving a vehicle and riding as passenger in a vehicle?

PRO33929

Member needs to change "Driver to Passenger" in the app.

View trip details > Driver clicks on “Steering Wheel Icon” > Driver changes to “I was the passenger” or “This was not a drive”.

400

A member confirms she has been with State Farm insurance for 20 years. Would correcting the prefilled to: ACTIVE Prior Insurance be right thing to do?

PRO13725

No. We should have visually inspected the fields to confirm none were blank and continued on to the next section.

400

1.) What is the "MAE" state?

2.) What is the also known as?

3.) What are the TAC's & MAE eligible for?

1. Military Ancestry Exception (MAE) - CA

PRO32280

2. Take All Comers - NC/NH & CA

PRO18335

3. Auto ONLY!

Note: For renewals, it is still available in NJ & HI (PRO 14179)

400

True or False: It is acceptable to remove an operator who is a dependent away at school.

PRO14321

False, It is not acceptable to remove an operator who is a dependent away school.

400

For a new quote/issue on AO, how do you proceed when you are addressing the coverages screen? Please list everything that applies.

PRO33166

Coverages – I’m going to provide a premium based on general information, and we’ll cover additional details in a moment. Provide BI/PD liability limits, deductibles, and premium. If member agrees to issue, proceed to step 9 on PRO33166
REQUIRED: To be compliant with state laws, strictly follow rules in below state specific links: ID, MI, PA, MD, CA, NH, NC
Discuss estimated net worth related to BI liability (not just stating pre-filled limits).
Offer an explanation of all "Coverages" to the member. Obtain member’s response and follow the guidance below.
Example: "Would you like an explanation of your coverages?"
If the member declines the explanation of Coverages:
State the limits/deductibles on screen of each coverage or feature the member selects.
Advise the member of any declined coverages or features.
Make sure to ask for the business.

400

During Auto quote for an active duty military member, his basing location is in Norfolk, VA but his registration is in Arizona. What do you tell him about registration?

PRO13690

Active duty military members are not required to re-register vehicles when moving to a new state.

500

True or False: For a member that is ...

Returning from International Location,
Returning from Deployment, or
Relocated for Military Training

If expiration date is "none" or blank and the member cannot give an approximate end date, use a prior policy expiration date that is fifteen (15) or more days prior to the effective date.

PRO13725

False, it should be thirty-one (31) or more days prior to the effective date.

500

If an NC resident, what documents are acceptable for the proof of residency?

PRO32009

A copy of a valid, unexpired NC Driver's License or Learner's Permit.
A valid and unexpired lease agreement (lease term covers current date, not expired) signed by the member (or the member's spouse) and landlord for a real property (single family home, condominium, and mobile home, not including personal properties) with a NC address.
Valid, unexpired lease agreements for apartments with a NC address are acceptable.
A current Homeowners or Renters declarations page
A valid NC vehicle registration issued to the named insured (must not be expired in order to be valid).
A copy of a current (within the last 60 days) utility bill (examples include water, trash collection, electricity, gas, and cable/internet - cell phone bills are acceptable as long as the mailing address is in NC).
A receipt for personal property taxes paid by the named insured within the preceding 12-month period (examples include a vehicle or boat).
A receipt for real property taxes paid by the named insured to a NC locality within the preceding 12-month period (examples include a house or land).
A copy of a federal income tax return filed by the named insured for the most recent prior filing period (this does not include the W2 Wage and Tax Statement or a payment stub for paying their federal income taxes).

500

USAA's Auto Policy will cover a cohabitant with the same level of coverage as a family member, where available, only after all of the following apply? What are those?

PRO29993

Receiving a member agreement.
Being capped as a Cohabitant relationship in Portal, following cohabitant guidelines to include the ODOC.
Being added as an Operator to the Auto Policy.
Adding the Additional Covered Resident Endorsement. See Line of Business (LOB) Specifics for more information.

500

True or False: Starting 11/1/21, all IP's will now have to say the following line regarding BI limits to the member: "I want to tell you that the level of coverage is your decision based on your needs and risk tolerance." If not stated this will be a compliance error.

PRO33166

False, Starts 9/1 - BOX #9 - Coverages

500

How do you proceed when you get an MVR that says: No Requested Segment?

PRO14637

Force a re-order in PAS.
Change the DOB.
Run a quote
Correct the DOB after MVR has been ordered.