MODULE 3 JEOPARDY

Drivers

100

What guideline should I reference if I needed to determine if a driver should be added?

Driver Status

200

Are exclusions available for the state of Virginia?

No

Exclusions are NOT available for VA

300

What is the minimum driving age for the state of Maryland?

Minimum driving age is 15 years and 9 months old.

400

Who needs to be listed on the policy? 

• Any household member of legal driving age (15 years old) who lives in named insured's home, even if they do not drive the vehicles.
• Any person (relative or non-relative) who regularly operates vehicle listed on policy, as determined by facts & circumstances.
• Any child who temporarily lives away from home AND drives vehicle on policy, even if occasionally. For students, review Student Criteria.
• Any person who is titled owner for listed vehicle(s), unless they are not household member or frequent operator. Do not list the titled owner as an excluded driver when they are not a household member or frequent operator. See Additional Interest for details.
• Named insured's spouse, unless legally separated/divorced AND living in different household.

500

Do temporary house guests need to be listed on the policy?

• FAQ
• Temporary house guests - A temporary house guest should be listed on the policy when the house guest:
  • Regularly operates a vehicle listed on the policy, as determined by facts & circumstances OR
• Is living in the named insured's residence for at least 6 months.

Effective Date Binding - Policy Change

100

When do we remove a vehicle that was declared a total loss?

Loss date +1

200

When should I access my midterm coverage change restriction guideline?

• Lower Comprehensive OR Collision deductible. (Includes adding full glass coverage or lowering deductible when glass coverage is already on policy.)
• Update to Comprehensive only when Comprehensive is not currently on vehicle

• Add any of the following coverages:
• Collision (Michigan: Updating Collision type)
• Comprehensive (including glass)
• Progressive Vehicle Protection
• Rental Reimbursement
• Roadside Assistance

300

Can we remove a sold / returned vehicle effective 40 days in the past WITHOUT proof?

NO

400

What proof items are required to remove a vehicle 40+ days in the past?

• Copy of transferred title/registration OR
• Written statement including: vehicle description, date sold, buyer's name, & customer's signature OR
• Bill of sale including date sold AND signatures of both buyer & seller.

500

What proof is required to remove a vehicle effective 40+ days in the past due to duplicate coverage?

• Accord application from agency management system
• Cancellation notice - unless for renewal payment
• Certificate of Liability Insurance
• Declarations page
• Insurance identification (ID) card
• Letter from other insurance company (including handwritten)
• Nonrenewal notice - inception date not needed; assume 6 months back from nonrenewal date unless otherwise indicated.
• Print screen from internet or an agency management system - does not need to show carrier name, e.g., Summary of Insurance
• Recent bill
• Renewal notice

Automatic Payments EFT

100

When is the email reminder sent to the customer for Automatic Payments EFT?

Automatic Payment EFT - Billing

3 days prior to due date

200

When can the automatic payment withdrawal be stopped if the installment is due today?

Automatic Payment: Eft billing

Before 10PM EST

300

Is there a minimum amount required for Automatic Payments - EFT to withdraw?

• FAQ
• Midterm payment: Scheduled amount due must be equal to OR more than $10.01. Amount is added to next withdrawal when scheduled amount due is less than $10.01.

• Initial renewal payment: Payment is withdrawn on due date regardless of amount.

400

When is authorization required?

Automatic EFT/CARD

• Authorization is required when:
  • New business policy is sold with Automatic Payments billing.
  • Adding/Enrolling in Automatic Payments Authorization is not required when Automatic Payments - Card/EFT was removed from policy due to Progressive or agent error.
  • Updating/Changing existing account for the following reasons.
  • Changing from one automatic payment method to another (i.e., Automatic Payments - EFT to Automatic Payments - Card). Follow appropriate guideline:

500

What type of EFT accounts do we accept?

• Checking account must be through a bank or credit union.
• Business accounts are acceptable as long as payments are withdrawn from a checking account.
• Acceptable routing number begins with 0, 1, 2, or 3. Customer must provide banking information (routing number & account number), whether it is to purchase a policy or make payment.
• Account holder name cannot be a bank or credit union. Key named insured's full name if field is blank.
• Owner of checking account must authorize automatic withdrawals. Using another person's checking account is acceptable as long as proper authorization is obtained.
• Savings, Trust, or Money Market Accounts cannot be used.
• Foreign bank accounts (including Canadian) are not acceptable.

Automatic Payments Card

100

What are the acceptable card types?

• Acceptable: Credit/debit card with Visa, MasterCard, or Discover logo

200

What are the unacceptable card types?

Not acceptable: All prepaid/reloadable card types or American Express

300

Prior to 7am ET is there a guarantee payments will process with new card information?

Prior to 7 AM ET: There is NO guarantee payment will process with new card information.

400

What are available authorization options/forms?

• Interactive Voice Response: Follow Natural Language IVR if customer is on Automatic Payments - Card bill plan & meets eligibility requirements.

• Internet: Authorization available through online service site if customer is on Automatic Payments - Card bill plan. Follow Online Services: Payments - One-Time Payment/Automatic Payments for requirements.
• While on the call with customer: Follow Authorization Required.
• ForAgentsOnly.com: Agent prints pre-filled authorization form when adding Automatic Payments - Card. Blank authorization form is not available.

500

Why is email address required for Automatic Payments - Card & not for Automatic Payments - EFT?

FAQ: Biggest reason is when customers are up for renewal.

• Automatic Payments - EFT: EFT payment is sent to bank on due date, & renewal goes in force on effective date. Should EFT payment be returned, we send cancel notice to customer for amount due. There is no risk to renewal not going in force.
• Automatic Payments - Card: It's different at renewal. Since we get authorization real-time, when renewal payment is sent to bank on due date & it declines, policy lapses/expires, & customer has no coverage. We need to be able to notify customer ASAP via email that their card was declined so they know replacement payment is needed to avoid lapse in coverage.

Named Operator

100

Can policy be updated to Named Operator with future effective date?

• No. Update can't be scheduled for future effective date.

FAQ

200

What is a named operator policy referred to in Nevada?

Named Non-Owner

300

Does named operator coverage extend to family members?

No

• Coverage applies only to person listed on declarations page & does not extend to household members.

400

Are named operator policies eligible for Snapshot? 

No

Is vehicle enrolled in Snapshot mobile?
* Yes: Opt out of Snapshot. Named Operator policies are not eligible for Snapshot.

500

Is physical damage coverage available on a Named Operator policy?

No. 

Depending on policy state, Bodily Injury (BI/PD), Uninsured Motorist/Underinsured Motorist (UM/UIM), Uninsured Motorist Property Damage/Underinsured Motorist Property Damage (UMPD/UIMPD), Med Pay, & Personal Injury Protection (PIP) are the only coverages that may be available or required.

FAQ