Driver Jeopardy

Driver Development

100

Client stated he has a Disability -What questions do you ask?

Check GL for Physical Impairment;

• The nature of the condition, disability, or impairment.
• The length of time the driver has had the condition, disability, or impairment.
• Whether the condition, disability, or impairment affects their ability to drive.

200

What two questions do you need to ask first when you pick up on an inferred driver?

1. Do they live in the household?

2. How often do they drive the vehicle?

300

Driver licensed for ID Purposes Question to ask

Medical/Phy Impairment , Permanently/physically unable to drive 

400

Auto Quote Completed w/1 Driver.. During home quote process customer mentioned 4 people live in hh 

What should you do?

STOP home quote.  go back to auto and develop additional inferred drivers.

500

The NI owns a vehicle but does not have a license and their daughter uses their vehicle to drive them where they need to go. How do we handle this?

Driving Ms Daisy

1. Complete the quote with both drivers listed but do not provide price. 

2. Once you get to summary screen go back to drivers and remove the NI so just the daughter is listed as a driver. 

3. Continue back to summary screen, re rate and provide the price to the customer. 

4. Document the file

REF14708 

Driver Exclusion

100

Name 3 states where the Driver Exclusion is not available?

DE, HI, IN, IA, KS, KY, ME, MN, MT, NV, NH, NJ, NY, NC, OR, PA, VT, VA, WI

200

NI son lives in the HH and never drives their vehicle. We are in an exclusion state, What is the correct process to follow?

1. Explain to the NI that the son is an exposure since he lives in the HH and needs to be added to the policy. 

2. Allow the customer to give push back to (1) before offering to exclude. 

3. Ask if the son has had any accidents or vios within the timeframe needed (state specific) 

4. Explain the exclusion if the NI decides to go that route. (letter is sent and needs to be signed)

5.Document quote notes.

300

Client refuses to add or exclude their children what do you do - Is it a Decline?

No   close file as missing information and notate

400

When would a driver not need to be excluded in an exclusion state

If they do not live in HH or drive vehicle more then 12 times a year .

500

True or False:

On a companion policy or 5+ split, an excluded driver must be excluded from both policies.

True 

REF35236

Best Practice

100

Why do we need to avoid using the term "licensed driver" to develop exposure ..

An individual may be driving with or without a license.   Ask about drivers (not licensed drivers)

200

Why is Driver development so Important

Company Impact Premium leakage, Ineligible business, 

Impacts to customer.  Potential cancellation/denial of claim .. Gaps in coverage. Increased pricing ..

300

Why should we avoid using the term ‘regular’ when asking about the use of the vehicle?

•Our exact interpretation - on average once a month or twelve times a year – may not coincide with what the customer thinks.

400

Why do we read everything verbatim from 1view?

1View is setup for questions to make it simple for you to ask and customer to answer without leading.    It is also based on customer feedback.

500

You get an RFI pop up, with no reason as to why you go this, how do you explain this process to your customer?

In your area we are taking a deeper dive into our prices and making sure we are remaining competitive in your area. To help with this we have our manual partners manually rating our policies in this area so we would need to mail you the application (or you can download the form) rather than completing the quote over the phone/online. It takes about 5-7 to get to you and once we receive it back you can call in to finalize the policy over the phone.

Home Coverage and Endorsements

100

Explain the 150% cushion. (sometimes 25%)

In the event of a TOTAL LOSS, we have the ability to extend their dwelling up to an additional 50% at no cost to them. 

If additional coverage is needed for Other structures, personal property or loss of use, we can also extend up to the amount we needed for the dwelling, in a total loss. 

200

How do we present the home coverage at quote? (HO3)

Provide Dwelling, Deductible and any special deductibles when providing price

300

Explain RVS

Windstorm or Hail Losses to Roof Surfacing endorsement gradually reduces coverage based on the roof age and material for the perils of wind or hail.

REF12315  

400

How much can we cover up to for ONE piece of jewelry on the valuable Items endorsement? 

 10k. REF15574 

Over 10k, would need to be scheduled.

500

What three states are not eligible for Protector Plus?

CA, FL and NC

State Specific

100

Explain the difference between full tort and limited tort

1. Full Tort Threshold
   This allows the named insured and other household members to maintain the right to sue for pain and suffering resulting from an auto accident.
2. Limited Tort Threshold
   - This waives the right of the named insured and other household members to sue for pain and suffering.
   - The right to sue is retained for death, impairment of bodily function or disfigurement, and injury from an Uninsured Motorist, out-of-state motorist, or drunken driver.

REF15230

200

GA, NI asks if they have full glass coverage. Is this covered? and if not, how is their glass covered?

No, full glass is not available in GA. They would need to pay their COMP deductible before coverage would kick in.

IKE: Auto coverages- GA

300

The basic (mandatory) PIP limit in PA?

5000

REF15230

400

What coverage do we need to issue with in MI? 

250/500 and unlimited PIP

500

In California, how many drivers can be excluded?  Is there a process ?

Requests to exclude more than 2 drivers on a file or policy must be manually rated (NQ)

When closing the quote, send to NQ.

REF10127