Telematics
How much is a telematics surcharge usually?
Typically, the surcharge is up to 10% of the policy term premium and can be viewed on policy timeline.
Telematics Participation Surcharge (GEICO) PCA - Commercial Auto
GEICO PCA; An unlisted spouse calls in for her husbands policy which is an LLC, can we speak with her?
Commercial Exception: For Commercial policies, we can speak with a spouse if the entity is a sole proprietorship, otherwise handle using Third Party Verification and Authority
Named Insured/Spouse/Co-Insured Verification and Authority
Does GEICO still require inspections to be done to add vehicles?
Inspections are no longer required for 3.0 or 4.0 policies. ONLY IF A SUPERVISOR DEEMS NECESSARY IF PH HAS DISCLOSED A LOSS- STEP 19
Add Vehicle to Existing Policy (GEICO) PCA - Commercial Auto
GEICO PCA: INSURED STATED THEIR ADDITIONAL INSURED REQUESTED SPECIFIC WORDING ON THEIR CERTIFICATE OF INSURANCE THAT STATED "COVERAGE IS PRIMARY AND NON-CONTRIBUTORY" IS THIS ACCEPTABLE?
Yes, this is acceptable vocabulary.
Certificate of Insurance Verbiage (GEICO) - Commercial Auto
NICO NY: CUSTOMER CALLS IN FOR A QUOTE FOR A DRIVER- THEY DISCLOSE THE DRIVER HAS DRIVEN THE VEHICLE. DO WE HAVE TO ADD?
Yes, If the driver has driven or is employed, they must be added and cannot be quoted.
Add Driver (NICO/BHHC) - Commercial Auto
GEICO PCA: Which state(s) are currently involuntary for telematics?
Telematics - Snapshot (GEICO) PCA - Commercial Auto
WHAT IS PENNSYLVANIA!
GEICO PCA: The owner's daughter calls in to make a payment, she asks you the due date of the next payment. Can you release this information?
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.
Third Party Verification and Authority
What is required to be documented in Policy Services(NICO/BHHC) once you've added a vehicle?
NICO/BHHC: A brand new policy was just generated today, customer is requesting a certificate of insurance. What is the best handling?
Send an email to moatsupport@nationalindemnity.com including:
GEICO PCA; CAN WE ADD A DRIVER UNDER 21 TO A POLICY?
All requirements are programmed into the system and it will determine eligibility.
Drivers Under 21 - Commercial Auto
What is the proper handling if an owner/driver gets a new phone, but has the same phone number?
Download the app again
Login as "returning user" using a PIN they receive via text
Telematics - Service Handling (GEICO) PCA - Commercial Auto
NICO: If a dealership calls in and does not have the last 5 of the VIN, are we able to accept any other piece of verification?
Yes, they can substitute the following:
NICO NJ; What is the minimum CSL for a vehicle over 10,000 lbs?
750K
Add Vehicle to Existing Policy (NICO/BHHC) - Commercial Auto
GEICO PCA: What state requires a case number for a Proof of Coverage Letter?
Florida
Proof of Coverage Letter (GEICO) - Commercial Auto
What states for NICO/BHHC are we not required to pull an MVR when adding a driver?
CA & WA
Add Driver (NICO/BHHC) - Commercial Auto
Is a Galaxy Note II compatible with Drive Easy Pro?
It is not compatible.
Telematics - Phones (GEICO) PCA - Commercial Auto
GEICO PCA: An ex-driver calls in and wants to confirm if there is a 2019 Ford F150 on the policy, can you release the info?
Do not release other details from the policy (current vehicles insured, discounts that are applicable, claims history of other drivers, other drivers on the policy, etc.)
Cancelled Drivers Verification and Authority
GEICO PCA: If the customer's vehicle is registered and garaged in two different states, can we add the vehicle?
Probe if they are re-registering within 30 days
NICO/BHHC- Delaware: Can customer receive their ID cards online?
A customer can print ID Cards online (except DE, NJ and NY).
ID Cards (NICO/BHHC) - Commercial Auto
When should FCRA be filled out?
The FCRA survey form should be filled out when activity is found on MVR or MVR results in unverifiable/inexperience surcharge.
FCRA (GEICO)- Commercial Auto
What is considered speeding to be flagged in the drive easy pro app?
The app will flag drivers for speeding when they are going about 9.5 mph over the speed limit
Telematics - FAQs (GEICO) PCA - Commercial Auto
How many pieces of verification is needed for a NICO/BHHC policy when speaking with an auth rep? What are the primary pieces?
4
What is the website that can be used to locate an insured's leinholder/loss payee's address?
https://cssinsuranceservices.com/css-insurance-services-llc/loss-payee/
Guidelines to Add Vehicles (GEICO) PCA - Commercial Auto
GEICO PCA- New Jersey: The insured has been pulled over, their policy has been in effect for 45 days. They are requesting a proof of coverage, what can you send?
Used if the insured is pulled over. Manually generated POC using the steps outlined below. These can only be created within 20-days of issuance or transaction completion.
Is a major violation considered spurious?
Major violations are never spurious
Add Driver (GEICO) PCA - Commercial Auto