What states have a paper exclusion?
GA, KY, NJ, OH, OR, UT
What states are no save states?
CA, MA, MI, NJ, NY, NC
When a customer no longer needs SR-22 on their policy, what document needs to be requested?
SR-26
On the Edit Contact page, What 2 places do you update zip code when the customer has a new address?
Mailing address and Garaging Location
How do we add a driver for a future effective date?
Add Driver ticket (Endorsements>Add Driver)
What states do excluded drivers still have some coverage?
AZ, FL, IN, MD, MA, MN, MS, NV, OK, OR, UT, WA. WV
How many terms is considered a low save attempt state?
The customer has to be with Esurance for at least 7 terms. We would not save customers who have a renewal offer generated for their 7th term but term hasn’t started.
What is the document for Maryland to show proof of insurance?
FR-19
Where else may we need to updated the new address?
Billing Address
What is the hierarchy of drivers when listing them on the policy?
-Named Insured
-Spouse
-driver requires an SR22 or FR44
-Excluded Driver
-Youthful Operators with driving record activity
-Youthful Operators (drivers under 25 or with fewer than 3 years driving experience) with no driving record activity
-Non-Youthful Operators with driving record activity
-Non-Youthful Operators with no driving record activity
-Unlicensed driver
What state allows no exclusion if it causes financial hardship of $500.00 or more per 6 month term?
Oregon
What discount should not be used as a Cancel/Save tool regardless of the customer's Cancel/Save score?
DriveSense Mobile discount
For Maryland, if the policy has been in effect for some time or the vehicle has already been added, and the customer does not have a case number, what document is needed?
FR-13
What process should we follow if the customer has moved out of state?
LCSA Moved Out of State
When is it acceptable to not list a spouse on a policy?
The spouse does not live in the household, or does not live in the country.
What state are exclusions allowed only for underwriting reasons or when claim activity and/or driving record would make a driver ineligible or when claim activity and/or driving record would cause a premium increase?
Colorado
What states do we not re-order Credit when following the Cancel/Save process?
What document will we NOT issue for any non-active, pending cancellation or pending non-renewal policies regardless of the cancellation/non-renewal reason in any state?
SR22
After updating the address, the customer states they didn't move. What would we require to update the address?
Proof of Residency:Utility Bill
What are the qualifications to remove a student away at school?
The student has not been a driver in a recent claim (in the last 18 months).
FL, MA, NM, NV, NY, and WV - The student is not the registered owner of a listed vehicle.
MO - The student should be excluded rather than removed - See Driver Exclusions
The student does not reside full time in the household and does not have regular access to any of the listed vehicles. (Lives in dorm, off-campus housing, etc)
The student is enrolled full time in a college or university
When more than 4 people need to be added to the policy, what is the placement for excluded drivers?
Excluded drivers are placed after all licensed drivers.
When re-ordering credit, what page do we order that on?
Underwriting page
In what states is it not acceptable to add additional drivers from the policy under the named insured?
NY and KY
What type of garaging address cannot be listed on a policy?
Commercial garaging addresses like hotels, public parking garages, or any other address that is registered to a commercial entity
How do you add a 5th driver to a policy? (Provide all steps)
Ad Hoc
In the Indicator Text box include '5th+ Driver"
Place two comments on the policy(High Priority and Secure)
Add the 5th+ driver to the caller permissions