RISK
What would we plug in 1View if customer can't remember the posted and actual speed while developing a speeding ticket?
Posted - 9
Actual - 99
What question should we ask regarding drivers at quote?
If a customer does not know what they carry for Bodily Injury Liability, what limit would Prior Carrier Bodily Injury show on Coverage screen?
50k
How would you explain the Additional Limits of Liability 150% to a customer?
In the event of a total loss we will provide up to an additional 50% of your dwelling replacement cost to account for any possible inflation of labor, materials, debris removal, etc.
If customer can narrow down a violation to 2017, but can't provide you with a month or season, what would we plug in 1View for Date of Loss?
December 2017
Explain the difference between exclusion states and non-exclusion states.
Household members in exclusion states MUST be listed as a driver or excluded from the policy. In non-exclusion states, we can leave off household members only if that person does not regularly operate the customer's vehicle, has their own vehicle and insurance, and we can document the carrier.
Explain how uninsured motorist coverage works so a customer would understand it.
If an uninsured motorist causes an accident, this coverage will help pay out for any bodily injury or property damage (assuming UMPD is available in that state) caused in the incident, up to your policy limits. It also covers hit and run accidents if the other driver can be identified.
What do we say during ISO when a customer has a Zero Clearance Fireplace?
How about Masonry Fireplace?
Zero Clearance - "You have a fireplace"
Masonry fireplace - "You have a brick chimney"
What question must we ask after entering a violation into 1View?
Have there been any other violations in the last 3/5 years?
What is the easiest way to determine if you are in an exclusion state or non-exclusion state?
Endorsements tab
How do we approach coverage conversation when customer is NPI?
Ask customer what limit they would like to carry for BI, if unknown quote 100/300.
When do we click the Home Quick Estimate button if home is Active? How about Passive?
Every single time you see Active, we click home quick estimate. If home is passive we only click if the customer requests a home quote.
If customer discloses a loss, order CLUE and explain that we will order a report to verify details of loss. If all information is entered (name etc.), check verified and move forward without discussing. If a risk has no driver assigned, develop who was driving in that incident.
When is the only time we would consider a driver who is Licensed for ID purposes a non-exposure?
What are the 2 state exceptions to the Quick Quote process?
FL - UM stacked
PA - Full/Limited Tort
What 2 states require a CARCO inspection for certain vehicles?
NY & NJ
Which 3 Coverages are paid out regardless if customer is at-fault or not-at-fault?
Collision, PIP, Medical
What are the two states that we surcharge for Driver Exclusion? Why is there a surcharge in these states?
- FL & WA
- There is a surcharge because there is some coverage provided for excluded drivers in these states. In FL excluded drivers still get PIP coverage, in WA excluded drivers still get UDM and PIP.
What is the underlying limit for theft of jewelry on an HO3 policy?
&
For Valuable Items Blanket, what is the max total limit for jewelry AND max per-item limit?
- 1,500 theft only
- 50k max limit, 10k per-item limit
Explain Emergency Expense Coverage in detail so a customer would understand.
Bonus: what package is this provided on?
If you are 100 miles+ away from home and your vehicle breaks down, we will pay up to $1,000 to tow the vehicle back home and put you up in temporary housing.