Coverage
Johnny, our customer in Texas, only wants to have his liability at the lowest he can go....what liability coverage limits are the lowest we can offer him?
Minimum Limits 25/50/25 or 75 Single.
How much personal property coverage comes with the Basic Roadside Assistance? (BRDA)
None, personal property coverage is only available on Premier RDA at a $500 limit.
Where do I find the documentation requirements along with LEASE details for a Nissan North America employee lease?
Link from the agent code or the A-Z procedure for Nissan North America Requirement
612099322 203 1- What coverages paid out on the claim 10/05/2022?
COLL 4270 , TOW 150
ETE 1200 UM 1006
We just made a change to a statement billed policy that increased the premium by $589 taking the new term premium to $2601. There are 20 deductions left. Explain the premium change in customer friendly terms and how it affects the installments.
this change increases the policy by $589 taking the new total premium for the year (6 mo) to $2601. Because you are on payroll deduction, you will see an increase to each installment by approximately $29.45
Which coverage (s) would provide medical coverage for me and the people in my vehicle regardless of who causes the accident?
Medical Payments and Personal injury Protection (Med Pay and PIP)
9791693131011- If this customer wanted to know what coverage he has for glass, how would you explain it to him?
If you have a rock chip or ding that can be repaired, there is no deductible. If they have to replace the windshield, your $500 comp deductible would be your portion of the repairs.
What procedure would I look in if my customer indicates the car would be solely owned by their son who is living in the home with them?
Vehicles Owned By Resident Relatives / Insurable Interest
For 6120993222031- What type of claims were on 11/01/22?
Trip interruption for $135 and RDA for $75
We just made a change to an EFT billed policy today (Tuesday 05/02) that reduced the premium by $300. There are 3 installments left. the next installment is currently set to deduct on Friday 05/05 for $456. When and how will this change impact their installment?
The customer will see the reduction in premium on the next installment of $356 on 05/05.
What does PIP cover that MED PAY does not?
Pip covers medical expenses, work loss, replacement services, funeral expenses and survivors benefits. Med Pay only pays Medical expenses.
612099322 203 1- If this customer had a small crack in the windshield, how much would she pay to have it repaired? How much if we need to replace the windshield?
There is no deductible to repair rock chips and small cracks. If the windshield needs to be replaced then the $50 glass deductible would apply.
I have a customer who has more than 4 cars on a Q1/Tap/Legacy policy, what procedure should I follow to get coverage an additional car more?
VEHICLE - FIFTH VEHICLE POLICIES: QUANTUM / QUANTUM AUTO 2.0
9970540172031-How much discount (percentage) would this customer get if he signed up for EFT LUMP SUM on the renewal?
PD-IN-FULL-PCT: 5.0 +EFT% 2.0 PAY= 7% (AI 10 page 04)
9791693131011- If this customer changed from RCC to EFT, would they see a reduction on their monthly payment? If so, how much?
Yes, the service charge would reduce from $4 to $2. There is no eft discount in this product.
What coverage is included in "FULL COVERAGE"?
In general this means Liability, Uninsured/underinsured motorist, medpay/PIP and Physical damage coverage. However, some customers expect this to include ALL coverage offered including ETE/RDA. Be sure to clarify with your caller.
George backed his car into a pole in the grocery store parking lot. Which coverage will fix his car? Which coverage will fix the pole he knocked down?
Collision for the car, Liability property damage for the pole.
If a customer with 8 vehicles on a policy already wants to add another, what do I do?
Quantum Auto 2.0: Up to 8 vehicles can be added on one policy. Fifth vehicle policy is not required. Requests to add more than 8 vehicles: Call Assigned Underwriter• AU not available: Opt out for next available UW---VEHICLE - FIFTH VEHICLE POLICIES: QUANTUM / QUANTUM AUTO 2.0
6083505942031 - I keep trying to create an ID Card for the 1990 Mazda Miata, but it will not generate. Why?
The Miata does not have liability coverage on it at this time, so the "proof of liability" cards are not available.
Mr Ellis called to replace a vehicle on his policy which resulted in a return premium of $385. His current statement billed policy has 44 installments left at 47.16 each. What will his next installment be?
$38.41 (385/44=8.75 less each month)
Janet is the at fault driver in a car accident. 2 people in the other car were injured. The first person had $25,000 in medical bills and the 2nd had $75000 in injuries. Janet carried 50/100/50 liability limits. How much is covered?
We would cover the 25k and 50k, so total of 75k
In the state of Pennsylvania, a customer wants to know what TORT coverage is. How do you explain TORT in a simplified way to the customer?
Limited Tort (QA) - limits the right to sue for pain and suffering. Full Tort (QB) - gives unlimited rights to sue for pain and suffering.
TORT is the ability to sue for the intangible dollar amount for 'PAIN and Suffering" due to an accident. You can still sue for tangible amounts such as medical bills, loss of wages, essential services and funeral costs.
The VIN is not pulling thru a vehicle when I am trying to add it in CDE. What procedure do I follow?
Business Center - Service > PROCEDURES > ISR > AUTO SPECIFIC > Vehicles Page > VIN - System Unable To Identify / Derive
6136015762031- This customer quit working for Verizon and is being removed from statement bill. He wants to know how this will impact his premium. All that apply. (5 items)
Will see 4% payroll deduction discount removed on renewal. Will see $5/month SC if on installment bill. A $4 sc if on RCC. He will see $2 per month SC on EFT. If enrolls in EFT then he can change to 2% eft credit on renewal for less impact.
Mr Smith is on EFT installments with his next deduction on Monday 05/08 for $250. He has 3 installments left in the term. He made a change earlier today (Tuesday 05/04) to add a car that added $500 to his premium. He is now making a change to delete a car that resulted in a RP of $450. How will this impact his billing?
no time to change the installment on 05/08, so that will remain $250. His 06/08 installment will increase by $25, taking his installment to $275 for June and July.