Claims
Gebby stated that he got into an accident in a commercial vehicle, causing $3000 in property damage. Do we key for commercial accidents? Elaborate.
In all states except CA, CO, NY and WA underwrite for accidents in a commercial vehicle, but do not surcharge. When applicable, document Jury including an explanation of why no surcharge is being applied.
Are GEICO employees eligible for a discount on their auto policy?
How about their homeowners policy?
YES
Naw, no discounts on the property side of GEICO, sorry!
This process determines the primary need as well as any pertinent information that we need to know or follow up for clarity.
Probe 'til you know!
Your policy holder states they have a 2019 Kia, you've checked the KIA website to see if they have the anti-theft software installed -- they don't.
What are the only 2 acceptable examples we can use to approve this policy?
1. A picture of the push to start ignition with the vehicle's logo in the same frame (Typically found on the steering wheel)
2. A picture of the engine disabler icon, on the dashboard, with the vehicle's logo in the same frame. (Typically found on the steering wheel)
PH came onto your line, and explained that they cancelled their auto policy 5 months ago, and wants to come back. What's the process?
AAA, really appreciate them giving us another opportunity to take care of their needs, advise them that we have a specialty unit to expedite the process and to get them back with us -- Warm transfer to Reissue.
Jenkins told you he took his Dad's Wrangler to the store, on the way he hit the biggest 12 point buck he's ever seen, causing a total loss ($42000) on his Pop's truck. Are you keying this claim? Explain.
You will key the claim as an Animal Accident
Enter "No" for "Was the driver primarily responsible for the accident?"
You can earn up to 10% off of your 6 month premium, signing up for this program, by providing you and your co-applicants phone numbers. What is this driving program called?
DriveEasy
We must be accurate in doing this, as this could impact the UW and Rate of quote if done incorrectly.
Key/Select the right information!
How much is the MLD discount for the state of Maryland if the PH has a renter's policy?
3%
When recalling a quote, if the current insurance information listed in the quote is different from what the customer states, what is the process?
Update the current insurance information to what the customer states. Probe as needed to clarify the change (if needed).
Your PH states that they had a couple claims, one in particular where they mention they loaned their vehicle to to their roommate, in which they caused an AF accident costing their insurance company $5000 in medical payments and $8500 in other damages. What other questions should we be asking?
Ask the PH if their roommate was on their insurance policy at the time of the claim, if so remove the claim;
If the roommate was not on the policy at the time, key as normal.
Jeff says that he's currently a GEICO employee, and that he was the top seller in Auto Sales for 12 years in a row, and is now ranked the #1 trainer against his peers, what discount do we have for him?
Berk/Hath discount for all GEICO employees.
You just finished an UW question, and noticed right below it there is a little man with a headset icon, what's your next move?
Read whatever is prompted in the "little man with the headset icon's" text bubble.
Your policy holder states they currently are in a lapse, in NY, you probe to find out they've been without insurance for roughly a month and a half, how much in penalties are they racking up?
$8 per each day of lapse 1- 30 days
$240 plus $10 per day for days 31 to 60
$540 plus $12 per day for days 61-90
If a customer has a vehicle registered in their name and is not listed on an insurance policy, but the car is insured on a policy or in a non-active driver status, but the car (Example, parents insure the car, but the son is not listed on the policy), what is the current insurance selection?
The current insurance question is regarding whether they are currently covered on an insurance policy and then whether they have vehicle(s) registered in their name and does their vehicle(s) have insurance. In this situation, the correct selection would be "No, I haven’t needed insurance.”
Your PH states the only claim that they made in the last 5 years was due to a massive hail storm, in TX, that impacted their entire area, causing $4000 worth of damage to the vehicle. How are we keying this claim?
We don't key for Hail/Glass claims. Acknowledge the information, and keep it moving to the next question.
Your PH states they already have renters insurance with us, what do we need to do to our quote, if anything?
Select the renter's option on the discounts page so that it reflects a more accurate rate on the quote page with the discount added.
What is this called when you do not make any misstatements about GEICO, competitors, or the industry which could result in future customer dissatisfaction or compliance violations.
Operating with uncompromising Integrity
If you own a vehicle in the state of Georgia, are you required to have auto insurance?
Yes, compulsory-motor vehicle owners are required to maintain motor vehicle liability and/or no-fault insurance on their vehicles.
Your BFF tells you that they're looking for new insurance and asked if you could work a quote for them. They want full comp/coll, no accidents/tickets, took a defensive driving test to keep their driving points high. What can you tell your best friend of all time?
Explain that per company policy, you personally cannot handle their quote, and advise them they would need to complete the quote themselves online, or refer them to our 1800 number.
You PH stated they currently have a suspended license due to a DWI/DUI in the state of North Carolina? Can we insure? Explain.
The policy can be bound for the named insured or spouse, or any additional driver with a suspended or revoked license. (North Carolina is a take all eligible comers state). Place the risk in GEICO Indemnity Tier 4. (GI-04)
Your policy holder just bought your Auto Policy, great job! They mentioned they would also like to purchase Jewelry and Identity theft insurance as well today. Do they qualify for our Bundling discount?
What other products could they purchase to qualify for our bundling discount.
No they do not qualify -
Discount applied to an auto policy when a named insured on the policy also has an active motorcycle, personal umbrella and/or Homeowners, Renters, Condo or Mobile Home policy with the GEICO Group of Companies.
Why would we avoid absolute statements?
Don't guess or make up any answers, if yiou not 100% sure it's a fact, then don't say it. This ties in with absolute statements, will elaborate.
Don't use absolutes -- Use "typical" talk
If the named insured has an expired stateside license but an active foreign/international license, can previous U.S. experience be honored?
Yes. In these situations, run the U.S. license and use the date first licensed in the United States. Customers should still be obtaining an active stateside license within the 30-day time frame.
If the applicant is in the room, but a third-party is doing all the talking (dealer, mom, friend, translator), does the agent need to get the applicant on the line to make the disclosure?
If we have properly verified and received permission to speak to the third-party, we do not need to speak to the party about anything else as they have authorized the party.