CA AUTO
This rating factor cannot be used in CA auto quotes
Gender
North Carolina is known as this type of state, meaning we must write the policy or cede it to the Reinsurance Facility.
what is: Take all comers state
Compared to North Carolina, South Carolina auto rates are generally this.
What is higher?
We are only writing Florida homeowners policies for customers who already have this type of policy with us.
What is an existing Amica homeowners policy?
This natural hazard, scored using Zesty’s L1 and L2 metrics, must be reviewed to determine....?
What is wildfire risk?
What is the waiting period for new CA automobile policies
15 business days
North Carolina auto policies may not be declined for most risks, but this is one valid reason we can issue a denial.
What is: Commercial Use
This penalty is charged if insurance lapses for more than 30 days in South Carolina.
What is $8 per day plus a $200 reinstatement fee
If we cannot write a Florida home policy, we refer customers to this insurance partner.
What is True Property Insurance? or Florida market assistance program
If a customer requests earthquake coverage, we partner with this provider to offer a separate policy.
What is GeoVera? or CEA
You cannot ask for this proof when quoting in California.
What is prior insurance?
This form is issued to prove liability coverage to the DMV, often for new drivers
What is DL-123
If a driver carries Other Than Collision coverage in SC, this additional benefit is automatically included.
What is full glass (non-deductible glass coverage)?
This form confirms hurricane protection measures and must be received before quoting discounts. Also required for those who need to prove their home is up to code for 2002 or higher
What is the FLUMVIF (Florida Uniform Mitigation Verification Inspection Form)?
After running a replacement cost estimate, what MUST we send out?
Myriad letter
When can we decline a CA Automobile quote
What is whey don't qualify for Good Driving
If an applicant doesn’t qualify for Amica’s voluntary physical damage coverage, we must offer this type of policy.
What is a Facility risk (ceded) policy?
This type of coverage cannot be entirely rejected and must match or be less than liability limits.
What is Uninsured Motorist coverage?
This natural hazard, if located within 0.3 miles of a property, is grounds for immediate policy decline.
What is a sinkhole?
What's the percentage of dividend in CA?
What is ZERO. there is no dividends offered in CA for any products
This financial indicator is not considered in CA auto rating.
What is Credit
Effective July 1, 2025, these will be the new minimum auto liability limits required in North Carolina.
What is $50,000/$100,000/$50,000?
This is the term used for those who live in South Carolina who use a North Carolina address for their insurance to get lower premiums
What is Rate Jumping
Amica can only rewrite a homeowners policy canceled for non-payment in this specific situation.
What is when the lender failed to pay on an escrowed policy and the payment is not more than 90 days past due? or The cancellation is due to an amica error
If a California home application is declined, we are required to provide these two resources to the customer.
What are the CA FAIR Plan and CA Home Finder?