UW Rules
To qualify for the Advance Quote discount, the auto policy must be quoted how many days before the expiration date of the client’s existing in-force policy?
At least 7 days.
How much coverage is provided under Emergency Road Service?
$100 per occurance.
Which two states are currently under PAT efforts?
GA & MN
Which question will not pre-fill from Current Carrier on the additional information tab but is still required?
Has applicant had an auto insurance policy lapse in the last 6 months?
How many days of temp coverage is provided when denying a vehicle?
35 days.
What CBR Score is required to be eligible in CMIC in IA?
CBR code 1-7, I or N, or 8-9 only if all of the following apply: no violations/at-fault accidents/not-at-fault-collision accidents in the last 5 years and insure one of the following with COUNTRY: an owner-occupied dwelling or condominium, or personal property for a renter
Is there coverage provided when driving for Uber/Lyft?
No, unless you have the RideShare Endorsement in OR.
How much payment is needed to reinstate a policy?
min of $1 must be made in addition to any earned premium bill
What prior tenure and limits are needed to be eligible in CPIC? (MO)
12 months or more AND prior Bodily Injury limit was $100,000/$300,000 or higher
OR
36 months or more AND Bodily Injury limit was $50,000/$100,000 or higher
How often can a CBR be rescored for an existing client?
Once annually, except MN - every renewal.
How long will an At-Fault claim charge on a CO policy?
36 months
How far can we backdate the addition of a newly acquired vehicle?
30 days or to the prior renewal, whichever is longer.
When will the PUD be applied and how long will it remain on the policy?
PUD will be applied when the client failed to carry liability insurance for 30 days or more. It will remain on the policy for one year.
If an at fault claim occurred 4 years ago, will it be used for eligibility in CO? Will it be charged in CO?
It will be used for eligibility but will not be charged.
When can a change be backdated more than 14days?
When there is no insurable interest in a vehicle or there was a home office error.
When is the vehicle use is considered Business?
If the vehicle is used 50 percent or more of the time or mileage in the driver's occupation.
How is Medical Payments Coverage for IL defined?
By medical expenses, we mean reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, funeral expenses, and prosthetic devices such as artificial substitutes for a limb, eye or tooth.
Desktop letter used for non-payment of premium in GA
DL2510-124-Refuse to Reinstate (Other)
This follow-up task generates when a vehicle pulls in from the ADPF report as a branded (salvage) title
Rebuilt title needed for [Year Make Model]
Which states does not offer the Occupation discount?
GA & TN
What are the requirements for a vehicle to be rated as Antique?
at least 25 years old, maintained or restored, primarily used in exhibitions, parades, and other functions of public interest, assembled, operable, driven less than 1,000 miles annually, not driven to work, not used in business, and does not have any performance modifications
extends Bodily Injury and Property Damage liability coverage for the transportation of others for a fee and is intended for transportation of fellow employees, or church groups?
Transportation Endorsement
What wording will be used in the refuse to reinstate letter when the client is no longer eligible for reinstatement due to a lapse over 30 days?
"you did not pay the premium required to maintain continuous coverage"
Is commercial insurance acceptable for proof of prior insurance?
It depends, we can review for an exception.
You received an INVALID VIN referral for a 1981 Chevrolet C70 (1GBN7D4E3BV130573). What information do you need to validate this vehicle?
Check in VIN assist. Decode as 1981 and find that it is an incomplete vehicle. We will need photos of the vehicle and the use to determine acceptability.